General FAQ's

United's Routing Number is: 272484894

United is headquartered in St Joseph, Michigan. Our corporate address is
United Federal Credit Union
150 Hilltop Road
St Joseph, MI 49085

For regular mail, please address to
United Federal Credit Union
PO Box 125
St Joseph, MI 49085

Please visit our Loan Payment Options page to view several options to pay your auto loan.

There are 3 ways to change your debit card PIN:

If you know your current PIN, you may call (800) 992-3808 to request a new personalized PIN. This change will take effect immediately.

If you do not know your current PIN, please contact the Member Service Center to have a randomly generated PIN sent to you through the mail.

Visit your local branch to make an immediate personalized PIN change.

 

You can find it on your Checking Account History page in Online Banking. First, login to Online Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.

You can find it on your Checking Account History page in Online Banking. First, login to Online Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.

Regular Mail:
PO Box 125
St. Joseph, MI 49085

Overnight:
2807 S. State Street
St. Joseph, MI 49085

Select your desired location on our branch hours page for more information.

Yes, use our Branches and ATMs locations map to find ATM locations. United is part of CO-OP Network which has access to nearly 30,000 network ATMs nationwide.

You can find all the information about Online Banking and how to enroll by visiting our Online Banking page.

To view and redeem your CardPerksTM points, click on the Services tab and then select CardPerksTM Rewards. Select the account you would like to view. This will bring up a new window with the CardPerksTM Rewards redemption site. Once on the Rewards site you may choose to redeem your points for travel or gift cards.

To view and redeem your CardPerksTM points, click on the Services and then select CardPerksTM Rewards. Select the account you would like to view. This will bring up a new window with the CardPerksTM Rewards redemption site. Points are displayed on the left side of your screen.

Your account number comes after your routing number on the bottom of your check. It is before your check number on the bottom right corner.

United Federal Credit Union's Routing Number is 272484894.

A routing number is a unique number used to identify a specific financial institution. The 9-digit number is located at the bottom left corner of your check.

Credit unions offer services like banks do, but there are some differences.

  • Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks can. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
  • Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.
  • Many smaller credit unions offer only basic services. Loans to members are credit unions’ biggest investment, mostly home and auto loans. However, larger credit unions, such as United, provide full financial services including federally insured, interest-earning deposits, consumer loans, mortgage products, credit card services, and investments. Members of credit unions are provided the same products and services offered by a bank – and often at better rates and low or no fees and with superior member service.