Why You Should Join United | United Federal Credit Union

you're not typical

Neither are we.

Listen, we get it. We are Members just like you and we know the way you use your money is as unique as you are. Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders. Let’s do this together.

We make banking easy. You can manage your money with ease, when and how you want to. And we’re here to help you along the way, when and how you need us.

become a member

who we are

We are regionally diverse, but locally driven. United’s headquarters are located in St. Joseph, Michigan, and has nearly 40 branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, Pennsylvania and Ohio with $4 billion in assets.

We are owned by you, our Members. Unlike banks, we don’t have shareholders. Your voice matters, and we want to hear it. Our CEO must answer to member-elected board of directors who provide oversight and co-leadership.

United is a not-for-profit company that is dedicated to helping its community and Members.

we are U

what we do

As a credit union, we typically offer higher rates of return on savings accounts, lower interest rates on loans and have an emphasis on customer service when compared to banks.

We aren’t satisfied with the status quo. We are driven to explore new solutions and bring the best products and services available to all our Members.

At United, we always give our Members the real advice they need to make the financial decisions that are best for them.

we work with U

why we do it

At United, we take our commitment to both our Members and our communities to heart. That’s what makes a difference in how you experience our people, services, and benefits.

The Members who work at United are rooted in their communities — your communities — as neighbors, volunteers, and mentors.

We love what we do and who we help, during work hours and off. We know what’s happening locally because we live down the same streets you do.

we get U

what we offer

Banking

Checking accounts, savings accounts, and share certificates—whether you need banking services for your personal or business finances, we’ve got you covered with all the digital, mobile, and voice banking tools you’d expect.

Credit Cards

Our three credit cards provide options to fit your lifestyle. With one that earns you rewards, one with a low APR intro rate, and one to help build credit, it’s hard to determine which is a better deal.

Mortgage

Whether you are looking to refi or buy, United Home Loans come with many benefits, including zero closing cost options.

Auto Loan

With no application or processing fees, we help you focus on what’s important with United’s Auto Loan—enjoying the ride in your new vehicle.

And More

Get relevant advice and crunch some numbers with various calculators.

we help U

popular products

Checking Accounts

Choose between two - one that earns rewards and one that earns high dividends.

Credit Cards

Choose between two - one that earns rewards and one that has a low APR intro rate.

Elevate Money Market

A tiered program, so the more money you have in your account, the higher your earning potential.

Mortgages

Designed to fit every dream house. Let's talk about yours.

Boat, RV & Powersports

Financing on vehicles that keep you moving on any surface.

Auto Loans

Find the loan you need to shop for your new car with confidence.

join us

Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders.

There are many ways you can qualify for membership. If you don't fall into one of the groups below, reach out to us to talk about all the other ways you can join.

where you are from

You live, work, worship or attend school near one of our branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, Pennsylvania and Ohio.

U are near us

who you know

Either you work for or retired from one of our 900+ Corporate Members¹ or you are an immediate family member of one of our Members.

U know us

what you need

To join, we will need your address, Social Security / government identification number, and your ID. ID can be in the form of a Driver’s License, State ID, Passport, or Active Military ID.

U want to join

good to know

Another option in considering membership qualification is joining the National American Consumer Council. In order to join the ACC, you must complete its membership form along with all other United membership documents. There is no cost to the member to join the National ACC and this option is available to any individual living in the United States.

Please note that the American Consumer Council only applies to individuals, not businesses as membership in the ACC is only available to individuals.

Call (888) 982-1400 Visit a Branch Schedule an Appointment

There are several ways to qualify for membership at United. While eligibility qualifications vary by state, it generally includes the following options:

You live, work, worship, attend schools, perform volunteer activities or conduct business near one of our physical branch locations.
You currently work for, volunteer at, or have retired from one of United’s 900+ Select Employee Group (SEG) partners.
You have an immediate family or household member who is a current Member or who is eligible for Membership.
You choose to join the National American Consumer Council, at no cost to you.

Ready to become a Member today? Click here to join online.

Yes. As a United Member, you have access to the CO-OP Shared Branch network, which gives you access to 5,550+ locations nationwide. Through Shared Branching, you typically can:

Make deposits and withdrawals
Transfer funds
Make loan payments
Check account balances

To learn more about United’s Shared Branch Network, click here.

Absolutely. As a United Federal Credit Union Member, you can use 35,000+ surcharge free ATMs nationwide through the CO-OP and Alliance One networks.¹

¹Members receive up to five (5) free withdrawals per month at non‑United ATMs. Withdrawals conducted at CO‑OP Network ATMs are surcharge‑free. After the five (5) free withdrawals are used, additional non‑United ATM withdrawals, as well as withdrawals at CO‑OP/Alliance ATMs, may be subject to fees assessed by United Federal Credit Union. Transactions conducted at non‑CO‑OP bank or privately owned ATMs may also be subject to a surcharge assessed by the ATM owner. Any such surcharge is not imposed, collected, or controlled by United Federal Credit Union.

Branch hours can vary by location. To make sure you have the most up-to-date information for a specific branch, we recommend visiting our branch hours page.

At United, we offer a full range of personal and business products designed to support every aspect of your financial life—from everyday banking and borrowing to saving and long‑term financial planning. Some of our most popular products include:

Becoming a Member of United Federal Credit Union is simple. You can join online through United’s website or visit any of our nearly 40 branch locations nationwide.

There is no fee to become a member of United Federal Credit Union.

To join, you simply open and fund a Membership Savings account with a minimum of $5, which represents your ownership share in the credit union. This $5 is not a fee—it remains your money and would be returned to you if you ever close your membership.

To join, we will need your address, Social Security / government identification number, and your ID. IDs can be in the form of:

Driver’s License
State ID
Passport
Active Military ID

When you become a member of United, your $5 Membership Savings represents your share or ownership of the credit union—making you a member‑owner.

Beyond ownership, you gain access to a full suite of financial products, digital tools, and personalized service designed to support your everyday banking needs and long‑term financial goals.

Yes. The money you have at United is insured up to $250,000 by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund and fully backed by the full faith and credit of the U.S. government.

Yes. United Federal Credit Union offers a full suite of business banking services designed to support small businesses, nonprofits, and commercial organizations at every stage of growth.

Some of our most popular business banking solutions include:

Business & Non-Profit Checking
Business Savings & Money Market Accounts
Business Term Loans, Lines of Credit, Real Estate, and SBA Loans
Commercial Visa® Credit Cards
Merchant Services

[1] Must be retired as pensioners or annuitants.

[2] Affinity program only applies to individuals, not businesses as membership in the ACC is only available to individuals.

why U should join us