United Community Financial is a financial services holding company for The Home Savings and Loan Company of Youngstown that provides consumer and business banking services. The Company offers various deposit instruments, including regular savings accounts, demand deposits, individual retirement accounts, checking accounts, money market accounts, and certificates of deposit. It provides commercial loans, such as multifamily loans; nonresidential real estate loans comprising retail centers, office buildings, and industrial buildings; land loans; loans for the construction of multifamily properties, nonresidential real estate projects, and to builders; and secured and unsecured loans, including traditional lines of credit, revolving lines of credit, and term loans.