This thrift wants to keep your savings and your loans united. United Community Financial is the holding company for The Home Savings and Loan Company of Youngstown, Ohio, a community bank with some 40 branches and a half-dozen loan production offices in Ohio and western Pennsylvania. Real estate loans account for about 80% of the company's loan portfolio; business and consumer loans make up the remainder. The bank also offers checking and savings accounts, CDs, retirement accounts, investments, and credit cards. In 2007 United Community Financial planned to buy Cleveland-area banking company PVF Capital, but both parties later canceled the deal.