United Federal Credit Union What people appreciate
One story across channels
One story across every way you reach out.
Your time valued
Being treated as though your time actually matters.
Timely notifications
Notifications that keep you in the loop without becoming noise.
Find United FCU
Visit a United FCU branch in St. Joseph, Michigan
St. Joseph, Michigan
- Address
- 150 Hilltop Road · St. Joseph, Michigan · 49085
- Service area
- Arkansas, Indiana, Michigan, Nevada, North Carolina, Ohio, and Pennsylvania, headquartered in St. Joseph, MI
- Hours
- Branch hours vary by location — call ahead to confirm.
About us
How we are structured
We operate under a credit-union charter and answer to the NCUA, which examines credit unions for safety and soundness. As a federally insured credit union, eligible member accounts carry NCUA share insurance.
How we got here
Community relationships, rather than distant call centers, have shaped how we do business from the start.
Our footprint
We are proud to serve members throughout Michigan, Ohio, Indiana, Nevada, North Carolina, Pennsylvania, and Arkansas. Branch teams and digital channels work together so help is available on your terms.
Our values
We would rather earn a long relationship than a quick sale, so we lead with clarity and follow through. Serving members well is not a slogan; it is the purpose the cooperative was built for.
Community commitment
Earnings are returned to members and put back into the communities we serve, not paid out to outside investors. Local involvement is not a marketing line for us — it is how a community institution earns trust over time.
Service area
States served: Michigan, Ohio, Indiana, Nevada, North Carolina, Pennsylvania, Arkansas
Communities served: St. Joseph, Mishawaka, South Bend, Indianapolis, Fort Wayne, Cincinnati, Columbus, Henderson, Charlotte, Pittsburgh, Little Rock
Partner with United Federal Credit Union
Review personal deposit options and plan your financial future with straightforward member guidance today.
About us questions
What is the institution history and milestones for our cooperative?
United Federal Credit Union was established in 1949 and has operated for 77 years. Members originally founded the institution to provide cooperative financial options. Over decades of steady growth, service expanded to personal and business deposit accounts across multiple communities. You can read our about guide to see how our operations developed while maintaining local member service.
Where are our headquarters and service area located?
Headquarters remain at 150 Hilltop Road, St. Joseph, MI 49085. The credit union serves individuals, families, and businesses across regional communities alongside digital access channels. Members handle daily banking transactions online, through mobile tools, or by visiting physical facilities. Check our local locations page for directions to regional facilities and operating centers.