United Churches Credit Union is a federally insured credit union serving members in the Taylor, Michigan area. As a not-for-profit, member-owned financial institution, it operates under the NCUA (National Credit Union Administration) regulatory framework rather than as a traditional bank.
The credit union offers a comprehensive suite of financial products including savings accounts, youth accounts, certificates of deposit, checking accounts, auto loans, RV/camper loans, home equity loans, home improvement loans, mortgage loans, personal loans, education loans, and VISA credit cards. Members can access these services through online banking, mobile banking, 24/7 telephone banking, and in-person at their Taylor location. The credit union also provides ancillary services such as payroll deduction, direct deposit, wire transfers, money orders, VISA gift cards, and notary services.
United Churches distinguishes itself through the Diamond Member Rewards Program, which waives the $2 quarterly membership fee, provides free ATM/debit card replacement, and offers free notary service to qualified members. The program incentivizes member engagement by requiring use of three of five specified services (maintaining a loan, active checking account, using debit card 5+ times monthly, enrolling in direct deposit, or signing up for e-statements). Featured rates as of August 1, 2025 include new auto loans at 4.99% APR for 12-36 months, home equity at 9.00% APR, and home improvement loans at 7.49% APR.
As a credit union, United Churches prioritizes member benefits over profits and offers rate claims to verify compared to traditional banks. However, membership eligibility requirements and a limited physical footprint (single Taylor location) may restrict accessibility for some consumers. The organization's full governance structure and asset size are not disclosed on the website.
