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United FCU (MI)
United Federal Credit Union – since 1949, United has been built on local community values and dedicated to serving you, our members.
Unlock Your Financial Potential with United Federal Credit Union (MI)
United Federal Credit Union (United FCU) is a member-owned financial cooperative headquartered in St. Joseph, Michigan, serving businesses across Michigan, Indiana, Ohio, Arkansas, Florida, and Nevada. With a strong focus on relationship banking, competitive pricing, and community impact, United FCU provides business owners with practical financial tools and access to SBA-backed financing to help them start, grow, and scale their companies.
Key Features of United Federal Credit Union (MI)
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Business Banking for Growing Companies
United FCU offers business checking and savings accounts, money market accounts, credit cards, merchant services, and cash-management tools designed for small and midsize businesses. -
SBA Loan Participation
United FCU participates in U.S. Small Business Administration loan programs, including SBA 7(a) and SBA 504 loans, through its commercial lending division. These programs help business owners finance:- Working capital
- Equipment and vehicles
- Owner-occupied commercial real estate
- Business expansion or renovation
- Business acquisition
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Commercial Lending Solutions
Beyond SBA programs, United FCU provides:- Business term loans
- Lines of credit
- Commercial real estate loans
- Construction financing
- Equipment loans
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Credit Union Advantages
As a member-owned institution, United FCU often delivers:- Competitive loan rates
- Lower fees
- Personalized underwriting
- Long-term relationship-focused service
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Digital Business Tools
Business members can manage finances using online and mobile banking, remote deposit capture, ACH and wire services, account alerts, and treasury-style reporting tools. -
Commitment to Michigan Communities
United FCU is deeply invested in economic development, financial education, and community partnerships across Michigan, supporting entrepreneurs and local employers at every stage of growth.
Why Choose United FCU for SBA Loans?
United FCU blends the affordability and service culture of a credit union with the capabilities of a full commercial lender. Its SBA participation allows business owners to access long-term, government-backed financing with competitive terms, while still receiving personalized guidance from local lenders who understand Michigan’s business landscape.
For manufacturers, contractors, healthcare practices, retailers, professional service firms, and real-estate-focused businesses, United FCU offers SBA financing structured to support sustainable, long-term success.
How to Get Started
Ready to explore SBA financing or another commercial lending option? Visit the
United Federal Credit Union Business Banking page
to review products, check eligibility, and connect with a business-lending specialist.
Empower your financial future today with United Federal Credit Union — where Michigan businesses gain the capital, partnership, and support they need to thrive.