--- title: "United Credit Union Rates (Nov 2026): Auto 11.39%, Personal 18.00%" description: "United Credit Union rates today: auto loans from 11.39% APR, personal loans from 18.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join United Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/united" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Credit Union Rates (Nov 2026): Auto 11.39%, Personal 18.00% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Other Vehicle Loan** auto | 11.390% APR | 11.390% | — | Standard | United Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Line of Credit (Overdraft Protection) – Variable Rate*** ploc_variable | 18.000% APR | 18.000% | — | Standard | | **Fixed Rate Signature** other | 13.240% APR | 13.240% | — | Standard | United Credit Union personal loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6 Month Introductory Rate [2]** other | 4.990% % | 4.990% | — | Introductory offer | | **Less than $25,000** other | 7.750% % | 7.750% | — | Standard | United Credit Union other rates as of November 12, 2026 Auto loans available from 11.39% APR. Personal loan rates from 18% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/united) , verified from [United Credit Union's official website](https://unitedfcu.com/) Best product position **Room to improve vs. the Michigan median** personal loan Gap to state best **1074 bp** 1074 bp from state best Vs. state median **325 bp behind median** personal loan Products ranked **1** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 13.24% | Room to improve vs. the Michigan median | 1074 bp from state best | 325 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim United Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=united&state=michigan&code=MI&name=United%20Credit%20Union) Loading branch locator… ## About United Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 190.9K Assets $4.4B Founded 1949 Locations reported 44 NCUA charter 6288 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Honor** Honor Credit Union · Saint Joseph · MI · 49085-2414 About 2.5 miles away](https://rateapi.dev/credit-unions/michigan/honor) [**Power One** Stevensville Office · Stevensville · MI · 49127 About 4.4 miles away](https://rateapi.dev/credit-unions/indiana/power-one) [**Everwise** Sawyer 67 · Sawyer · MI · 49125 About 13.9 miles away](https://rateapi.dev/credit-unions/indiana/everwise) [**Circle** Niles Branch · Niles · MI · 49120-2617 About 18.9 miles away](https://rateapi.dev/credit-unions/michigan/circle) [**Dowagiac Area** Dowagiac Area Federal Credit Union · Dowagiac · MI · 49047-1541 About 19.5 miles away](https://rateapi.dev/credit-unions/michigan/dowagiac-area) [**Credit Union 1** Niles · Niles · MI · 49120 About 19.7 miles away](https://rateapi.dev/credit-unions/illinois/credit-union-1) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join United Credit Union Membership eligibility from United Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer 900+ Select Employee Group (SEG) partners - Association National American Consumer Council Verified from [United Credit Union's membership page](https://unitedfcu.com/about-us/why-united/why-join) . Final membership determination is always made by the credit union. ## Membership rules for United Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 21, 2026, quoted from United Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of 900+ Select Employee Group (SEG) partners “You currently work for, volunteer at, or have retired from one of United’s 900+ Select Employee Group (SEG) partners.” > [source ↗](https://unitedfcu.com/about-us/why-united/why-join) - Employee of 900+ Select Employee Group (SEG) partners ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of National American Consumer Council “Another option in considering membership qualification is joining the National American Consumer Council.” > [source ↗](https://unitedfcu.com/about-us/why-united/why-join) - Member of National American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household member “You have an immediate family or household member who is a current Member or who is eligible for Membership.” > [source ↗](https://unitedfcu.com/about-us/why-united/why-join) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for United Credit Union? Yes No ## Work at United Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where United Credit Union ranks against Michigan peers. - See which AI assistants fetched United Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=united&state=michigan&code=MI&name=United%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Credit Union offer? United Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are United Credit Union rates updated? RateAPI verifies United Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get United Credit Union's rate data? Rate data is collected directly from United Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are United Credit Union's auto loan rates? As of November 12, 2026, United Credit Union offers auto loans from 11.39% APR. ### What is United Credit Union's personal loan rate? As of November 12, 2026, United Credit Union offers personal loans from 18% APR. ### Who can join United Credit Union? United Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for United Credit Union, each quoted from United Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare United Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://unitedfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track United Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for United Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /united " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Credit Union locations Search, filter, and browse all 44 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/united Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp