FAQs

Why Do I Have To “Qualify” For Membership?

Credit unions are democratically run and each member has one vote. Members elect the board of directors who represent the members for strategic decisions and planning within the credit union. So, when you join a credit union, you get a say in how the organization is operated.

Each credit union’s organizing charter defines who is eligible to become a member. Members have something in common, usually something like an employer or place of residence. Credit unions have a “field of membership,” and a common bond that members have to share. Fields of membership can be defined by place of employment, church membership, or residence in a community, to name just a few ways.

What is the difference between a Credit Union and a Bank?

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 UFCU, 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.

What is a “Routing Number” and where do I find it?

A routing number is use to identify a specific financial institution. Each financial institution has their own number. This number can be found on the bottom left corner of your checks and is usually a 9 digit number. The UFCU routing number is 272484894.

Where can I find my account number?

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.

Where can I find how many CardPerks points I have earned?

You can find your total CardPerks points at the end of your monthly account statement or by calling 1-866-824-4552 toll-free between 9:00 a.m. and 8:00 p.m. ET.

How do I redeem my CardPerks points?

To redeem your points call 1-866-824-4552 toll-free between 9:00 a.m. and 8:00 p.m. ET. View the CardPerks Reward Grid.

Can you help me log in to Online Banking?

Yes, click here for instructions.

Can you help me find a deposit-taking ATM?

Yes, click here for an ATM locator.

What are your branch hours?

Click here, then select your desired location.

How do I send mail to the Credit Union?

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

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

Where can I find my account information for an electronic or verbally authorized transaction?

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.

If I want to order my own checks where can I find the information to put on the bottom of the checks?

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.