member benefits
What's in it for you? A lot. Take a look at why becoming a Member of United is in your best interest.
it pays to be a United Member
convenience, rewards, benefits, and security
We’re here to support you through life’s moments. That’s why no matter what you’re looking for, we’ve got the solutions you need right when you need them, plus even more. Look through how we offer you more than just simply providing a financial service with products and programs designed for convenience, rewards, benefits, and security.
At United, we understand our Members and what they need. We’re one of the largest credit unions in the U.S., but we’re locally driven. We’ve got great rates and low fees on loans; however, we know it’s about being here when you need us and constantly improving for you.
it pays in convenience
Enjoy our free services and easy availability! Our Members can expect:
- Personal financial tools to manage your budget
- Access to investment planning services
- Easy online applications for loans, mortgages, and deposit accounts
- Online and mobile services including banking, bill pay and check deposits
- Banking on-the-go with options to use any CO-OP or Alliance ATMs across the country
- Free coin exchange
it pays in rewards
There are many ways to receive rewards with United. Some of our products, such as our Rewards Checking account and U Rewards Visa® credit card, earn you back cash rewards to spend on a variety of perks.
As a Member, you share in our earnings. These earnings are returned to you in the form of high-yield products such as Elevate Money Market and Ultra Checking account.
You also receive an ATM fee refund where you can get up to $10 back each month when you get charged for using an ATM.1
But wait! There’s more! Enjoy discounts and rewards through United’s partner programs.
it pays in security
United has consistently been classified, as defined by the National Credit Union Association (NCUA) requirements, of maintaining a net worth ratio of 7% or better. We implement and maintain processes designed to protect our Members, workplaces, and the continuity of critical business activities from the impacts of disruptive events, such as natural disasters, operational incidents, accidents, and human-caused threats.
We offer you additional peace of mind with LifeLock™ Identity Theft Protection, available at a discount with your United Membership.
If at any time you feel your finances are in danger, reach out to our Member Services where we will do everything we can to help you. Learn how to protect yourself with our easy-to-follow steps for keeping your personal information safe.
it pays in connections
It pays to know who works for you. The names and faces you are already familiar with at United will take the time to get to know you, individually and personally, and will provide you with the best possible products and service. Our products are designed to best serve you by giving you the tools and flexibility to manage your day-to-day finances. They are driven by serving you, not by fees. As your credit union, our priority is to help you succeed and that is why we strive to go above and beyond your expectations.
Members also have the opportunity to interact with us in person or digitally. You’ll receive real-time feedback provided on our website to communicate about your experience. And we welcome you to engage with us on social media. After all, that’s what friends and partners do in this ever changing technologically savvy world! Using these channels, Members are just another step closer to the latest credit union news, shared involvement in the community, products and services, special offers, and other pertinent information.
it pays in knowledge
Explore our Advice Hub to read in-depth breakdowns of cyber-crimes, helpful tips on paying off debt, guides on navigating the mortgage process, and a variety of other financial topics. Our thought process is simple: the best decisions are informed decisions. We want you to choose us for your banking, loan, and/or mortgage, but we want to help you decide what’s best for you more so.
Sometimes the knowledge you want is about us, United. We strive for transparency. We let you know what our plans are, who we are partnering with, donating to, and what our quarterly growth is. Along with posting in our Press Release, we provide emails and letters to inform you know when upgrades or changes occur and when financial relief is available.
[1] ATM foreign surcharge fees will be refunded monthly, up to $10/month; excluding international ATMs, balance inquiry, and ATM deposit fees. Members must meet the following monthly requirements to earn ATM foreign surcharge fee refunds: (a) enrollment in eDocuments; (b) at least 1 direct deposit or ACH per month; and (c) a combined total of at least 20 cleared signature (swipe-and-sign/non-PIN) transactions on an Ultra or Rewards Checking account or cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported owner is a cardholder are posted by 11:59 PM ET on the second-to-last calendar day of the dividend period.