United Federal Credit Union
Quick Summary
- HSA savings account
The Verdict
United Federal Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
United was founded in 1949 by people just like you who believed in the values of the community and who believed in service to one another. We’ve been serving Members ever since, growing into who we are today with the knowledge that strength in numbers brings opportunities and prosperity to all of us.
Today our more than 186,000 Members enjoy the wide range of personal and business banking products we offer, at the best possible rates. We’ve partnered with 900+ employers to extend our offerings and benefits to their employees and affiliates.
As a credit union, we take pride in the advantages we can offer over traditional banks, like typically fewer fees and greater investments in local communities. And our dedication to service and community doesn’t stop at our branch doors—it extends into the schools, restaurants, and other small businesses in every community we serve and support. The Members who work at United are rooted in their communities—your communities—as neighbors, volunteers, and mentors.
Key Features
Banking & Access
Includes debit card.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $50 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
United Federal Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $1,000 | 0.25% |
| $1,000 - $10,000 | 0.50% |
| $10,000 - $25,000 | 0.75% |
| $25,000+ | 1.00% |
Last updated: 09-30-2024
Contact Information
Address
PO Box 125 Saint Joseph, MI 49085
Customer Service
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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