United Federal Credit Union (UFCU) has committed to helping customers achieve their financial goals by offering a wide range of services, including online banking. You can access all of their products and services through the UFCU login portal on your phone or computer.
Founded 73 years ago, UFCU has more than 191,000 members, 900 employees, 44 branches, and $3.8 billion in assets. They provide both individual and business banking services and products, including loans, savings, mortgages, and more.
This article will show you how to navigate UFCU online banking login portal, recover your lost password/username, and give information about other credit unions operating in Michigan. Keep reading to learn more!
| Website | https://unitedfcu.com/ |
| Branch/ATM Locator | Locations |
| Routing Number | 272484894 |
| Swift Code | UFCUUS33 |
| Contact | 888-982-1400 |
| UFCU Mobile Banking | App Store | Google Play |
How to Login to UFCU Login Portal
To access all of the UFCU services, first, you need to log in to your account. It only takes seconds to log in.
Step 1: Go to the UFCU official website through this link.
Step 2: Locate the UFCU login box on the top right corner of the page.
Step 3: Insert your Login ID and Password. Click Login.
In just three simple steps, now you have successfully logged in to your account.
How to Reset Your Password on UFCU Login Portal
UFCU customers who have forgotten their password can reset it in minutes by following a few simple steps. Check the guidelines down below to do so.
Step 1: On the UFCU login box on the homepage, click the Forgot Password? link.
Step 2: Insert your Login ID and click Submit.
After verifying your identity, you need to follow the next steps until finally you can reset your password.
How to Recover Your Username on UFCU Login Portal
If you have trouble logging into the UFCU online banking login portal because you have forgotten your username, don’t worry. Read on how to self-recover your username.
Step 1: Visit the UFCU online login portal through this link.
Step 2: Click Forgot Login.
Step 3: Submit your Last Name, Social Security Number, Date of Birth, and Zip Code.
Step 4: Select an option to send your username. Click Continue.
UFCU will send your username, either through email or phone number, depending on what your selected option is.
How to Enroll in UFCU Online Banking Login Portal
To enjoy all the benefits of UFCU, you need to enroll and get UFCU login credentials. The process is very easy as long as you already have a UFCU bank account. Follow the prompts below.
Step 1: Visit UFCU online banking login portal through this link.
Step 2: On the login box of the homepage, click Enroll in Online Banking.
Step 3: Submit your Last Name, Social Security Number, Date of Birth, Zip Code, and Desired Login ID in the respective columns. Then, click Continue.
To formalize the enrollment process, complete the next steps given. Once you’ve done so, you can log in to the UFCU login portal using the Login ID and Password you made.
UFCU Mobile Banking Capabilities
Today, everyone can easily access their UFCU account every time and everywhere they want. Besides Online Banking services, United Federal Credit Union also presents the United Mobile, one app with plenty of features. See what you can do with it.
- Use Bill Pay to make a payment, add payees, and track payment history,
- Check account balances,
- View account transaction history,
- Use Zelle to send and receive money to anyone,
- Transfer funds between internal and external bank accounts,
- Use Mobile Check Deposit to deposit a check into your account,
- Locate UFCU nearby branches and ATMs,
- Open share accounts and apply for a loan or mortgage,
- Manage security alerts, and
- Update your personal information.
Logging in to UFCU Mobile is easy enough because you can use the same login credentials in online banking. Download and launch the app on your iPhone or Android.
How to Contact United Federal Credit Union
Need more help during the login or enrollment process? Or need more clear information about UFCU products? UFCU Customer Service will happily help you to meet your needs. Find the contact information and their work hours below.
Member Service Center
Phone: 888-982-1400
Work hours: Monday-Friday 8 am – 10 pm and Saturday 8 am – 4 am ET
Text: 269-301-1232
Work Hours: Monday-Thursday 8 am – 8 pm, Friday 8 am – 6 pm, and Saturday 8 am – 4 am ET
You can also use the live chat.
Regular Mail: PO Box 125 Saint Joseph, MI 49085
Overnight Delivery: 150 Hilltop Road Saint Joseph, MI 49085
Report UFCU Card Disputes (24/7)
Debit Card: 833-719-0362
Credit Card: 855-926-5159
Report Lost/Stolen Card
Business Hours: 888-982-1400
Work Hours: Monday-Friday 8 am – 10 pm and Saturday 8 am – 4 pm ET
After Hours (Credit Card): 800-257-0096
After Hours (Debit Card): 800-472-3272
Work Hours: Monday-Friday before 8 am or after 10 pm, Saturday before 8 am or after 4 pm, and all day on Sunday
Loan Payment
Phone: 888-982-1400
Voice Banking: 888-982-4743
Work Hours: Monday-Friday 8 am – 10 pm and Saturday 8 am – 4 am ET
Mail: PO Box 125 Saint Joseph, MI 49085
You can also visit your local branch or contact them.
Credit Unions of Similar Capacity in Michigan
In case you’re looking for a Home Equity Line of Credit (HELOC) for home improvement or remodeling projects, UFCU offers an affordable HELOC on its borrowing products.
UFCU HELOC product gives you as low as 5.50% variable APR. You could qualify for a low six-month intro rate as low as 2.49% APR. You can borrow a minimum of $100,000 with a 10-year draw period and reimburse low monthly payments. The minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. There will be no origination, closing, and annual fees.
If you’re still looking for another HELOC offering from other credit unions in Michigan, here we give you three of them that may match your needs.
Let’s explore them!
DFCU Financial
Founded in 1950, Forbes has ranked DFCU Financial as one of Michigan’s best credit unions five times. DFCU offers many banking products to help customers achieve their financial goals. It includes savings, mortgages, home loans, and more. A HELOC from DFCU Financial can be a great way to finance renovations for your home.
You can borrow up to $250,000 or up to 90 percent of your home’s equity with a rate as low as 7.00% APR. There will be no application fee or prepayment penalties given. You will be charged an annual fee of $50 and an appraisal fee to process the loan application. However, you will earn cash back and loan payment protection coverage.
Lake Michigan Credit Union
Founded in 1933, Lake Michigan Credit Union is now the largest financial institution headquartered in West Michigan. LMCU offers both personal and business banking services and products, including home loans. You can apply for HELOC offered by LMCU to achieve your home improvement goals.
LMCU HELOC provides a variable rate based on the current index margin and rates will not exceed 12% APR. You will get a 15-20 year repayment term and the payout is revolving credit. Today’s lowest rate is 5.99% but your rate may be higher based on your specific Combined Loan to Value, term, and credit score. Terms, loan amount maximums, and other restrictions will be applied.
MSU Federal Credit Union
Michigan State University Federal Credit Union, headquartered in East Lansing, Michigan, is the largest university-based credit union in the world. MSUFCU offers varied banking products and services ranging from savings to borrowing. You will find what you need there, including HELOC.
They offer a $2,500 minimum segment amount with a maximum of up to three segments that can be locked during the draw period. The segment repayment terms range from 1 to 15 years. The rate will depend on your credit score and Loan-to-Value ratio and will never fall below 2.00% APR, nor will exceed 18.00% APR. There will be a $199 closing fee plus a valuation fee.
To sum up, among others DFCU Financial has the highest rate, as high as 7.00%, while LMCU is only as low as 5.99%. LMCU has the longest repayment term, while MSUFCU’s repayment terms range from 1 to 15 years.
However, UFCU has the lowest rate, as low as 5.50% with a 10-year draw period. This looks more affordable than others, plus you can borrow up to $100,000. The most important thing is there will be no fees and penalties, while you have to pay fees with MSUFCU and DFCU. Also, UFCU could qualify you for a low six-month intro rate of as low as 2.49% APR.
Related articles on online banking login:
- Bank of America EDD Sign In
- CEFCU Online Banking Login
- Greekbill Online Login
- BB&T Online Banking Login
- BBVA Compass Online Banking Login
Hope this article was useful and gives you all details about UFCU login procedures. Feel free to contact us with any questions you may have.
