--- title: "United Financial Credit Union Rates: CDs to 5.05%, Vehicle 7.15%" description: "United Financial Credit Union rates today: 10 year fixed mortgage 6.50% APR, vehicle loans from 7.15% APR, savings & CDs up to 5.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join United Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/united-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Financial Credit Union Rates: CDs to 5.05%, Vehicle 7.15% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.500% APR | 6.250% | — | Standard | | **Mortgage Loan** other | — APR | 7.000% | — | Standard | United Financial Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto Loan** auto_any_84mo | — APR | 4.900% | 84 mo · any | Standard | | **6-Month Auto Loan** auto_any_6mo | — APR | 4.900% | 6 mo | Standard | | **New & Used Motorcycle Loan** motorcycle_any | 7.150% APR | 7.150% | any | Standard | United Financial Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | United Financial Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.500% | — | Standard | United Financial Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 27 offers | Product | Published | Rate | Term / condition | Status | | **Jumbo CDs - 24 to 60 months** cd_60mo | 0.10% APY | 0.10% | 60 mo | Standard | | **$100 - $1,999** savings | — APY | 0.10% | — | Standard | | **$2,000 - $9,999** savings | — APY | 0.25% | — | Standard | | **$10,000 - $49,999** savings | — APY | 0.50% | — | Standard | | **$100 - $2,499** savings | — APY | 0.65% | — | Standard | | **$2,500 - $24,999** savings | — APY | 0.75% | — | Standard | | **$50,000 - $99,999** savings | — APY | 0.75% | — | Standard | | **$25,000 - $49,999** savings | — APY | 0.85% | — | Standard | | **$100,000 And Up** savings | — APY | 1.00% | — | Standard | | **$100,000 - $499,999** savings | — APY | 1.90% | — | Standard | | **$500,000 And Up** savings | — APY | 2.20% | — | Standard | | **Save to Win: Youth Edition 12 month** cd_12mo | 2.40% APY | 2.37% | 12 mo | Eligibility restricted | | **12-Month HSA** cd_12mo | 2.85% APY | 2.81% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 2.95% APY | 2.91% | 24 mo | Standard | | **18-Month Certificate** cd_18mo | 2.95% APY | 2.91% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | 3.00% APY | 2.96% | 6 mo | Standard | | **Money Market Account for Guided Investments** money_market | 3.00% APY | 2.96% | — | Standard | | **Safe Parking 36 month** cd_36mo | 3.10% APY | 3.05% | 36 mo | Standard | | **Step Up 20 month** cd_20mo | 3.10% APY | 3.05% | 20 mo | Standard | | **60-Month Certificate** cd_60mo | 3.20% APY | 3.15% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 3.20% APY | 3.15% | 48 mo | Standard | | **Hometown Hero 18 month** cd_18mo | 3.20% APY | 3.15% | 18 mo | Standard | | **Hometown Hero 6 month** cd_6mo | 3.25% APY | 3.20% | 6 mo | Standard | | **Elite Checking** checking | — APY | 4.88% | — | Standard | | **6 month SmartStart Youth CD Available for members under the age of 21** cd_6mo | 5.00% APY | 4.88% | 6 mo | Eligibility restricted | | **Youth 6 Month CD** cd_6mo | — APY | 5.00% | 6 mo | Eligibility restricted | | **6 month - 4H or FFA CD** cd_6mo | 5.05% APY | 4.93% | 6 mo | Standard | United Financial Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, United Financial Credit Union offers a 10-year fixed mortgage at 6.5% APR. Vehicle loans available from 7.15% APR. Savings and certificate yields up to 5.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/united-financial) , verified from [United Financial Credit Union's official website](https://www.unitedfinancialcu.org/) Loading branch locator… ## About United Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 21.7K Assets $350.3M Founded 1964 Locations reported 10 NCUA charter 61657 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - 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. [**Lake Huron** Shattuck Branch · Saginaw · MI · 48603 About 0.5 miles away](https://rateapi.dev/credit-unions/michigan/lake-huron) [**Wildfire** Heritage High School Branch (Restricted Access) · Saginaw · MI · 48603-1863 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) [**Lake Michigan** Saginaw · Saginaw · MI · 48603 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Jolt** Main Office · Saginaw · MI · 48603 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Team One** SAGINAW TOWNSHIP · SAGINAW · MI · 48603 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/team-one) [**Financial Plus** WCU - Shattuck Branch · Saginaw · MI · 48603-3075 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/financial-plus) 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 Financial Credit Union Membership eligibility from United Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MI Verified from [United Financial Credit Union's membership page](https://www.unitedfinancialcu.org/membership-benefits/) . Final membership determination is always made by the credit union. ## Membership rules for United Financial Credit Union Geography 4 · Family 4 8 published paths to membership, last verified August 27, 2026, quoted from United Financial Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - MI “If you live, work, worship or attend school in the lower peninsula of Michigan, we’re in your neighborhood!” > [source ↗](https://www.unitedfinancialcu.org/membership-benefits/) ### Family 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member, household member “If you are an immediate family member or household member of a current United Financial member, we’re for you.” > [source ↗](https://www.unitedfinancialcu.org/membership-benefits/) - Family member (immediate family member, household member) of a member - Family of a member family members “Credit Union membership is also available for individuals out of state who are related to family members with current membership at United Financial.” > [source ↗](https://www.unitedfinancialcu.org/membership-benefits/) - Family member (family members) of a member - Family of a member immediate family, household member “If you are an immediate family member or household member of a current United Financial member, we’re for you.” > [source ↗](https://www.unitedfinancialcu.org/membership-benefits/) - Family member (immediate family, household member) of a member - Family of a member relative “Credit Union membership is also available for individuals out of state who are related to family members with current membership at United Financial.” > [source ↗](https://www.unitedfinancialcu.org/membership-benefits/) - Family member (relative) 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 Financial Credit Union? Yes No ## Work at United Financial 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 Financial Credit Union ranks against Michigan peers. - See which AI assistants fetched United Financial 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-financial&state=michigan&code=MI&name=United%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Financial Credit Union offer? United Financial Credit Union currently offers mortgage, vehicle loan, HELOC, 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 Financial Credit Union rates updated? RateAPI verifies United Financial 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 Financial Credit Union's rate data? Rate data is collected directly from United Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is United Financial Credit Union's mortgage rate? As of November 12, 2026, United Financial Credit Union offers a 10-year fixed mortgage at 6.5% APR. ### What are United Financial Credit Union's auto & motorcycle loan rates? As of November 12, 2026, United Financial Credit Union offers vehicle loans from 7.15% APR. ### What is United Financial Credit Union's best CD rate? As of November 12, 2026, United Financial Credit Union offers savings and certificate (CD) yields up to 5.05% APY. ### Who can join United Financial Credit Union? United Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 4 geographic areas for United Financial Credit Union, each quoted from United Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare United Financial Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://www.unitedfinancialcu.org/) ### 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 Financial 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 Financial Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /united-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Financial Credit Union locations Search, filter, and browse all 10 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-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp