ready to make the switch?
Hey, Lehigh Valley residents! For a limited time, become a Member of United and you could score up to $700 in new account bonuses!1
unlock up to $700 in new Member bonuses
offer available only for greater Lehigh Valley residents
It’s our limited time welcome gift to help you bank smarter—no gimmicks, just real rewards and hometown support. Open a new membership with checking, use your debit card, finance an auto loan or pick up a U Rewards Visa® credit card, and you’ll unlock several cash bonuses.
Below are the four simple ways to earn—let’s get started. At United, we get U.
$250 new checking bonus2
Open a checking account and complete the easy requirements below to earn up to $250 in cash bonuses.
Bonus requirements:
- $50 minimum opening deposit with direct deposit setup
- Bonus paid within 30 days of $1,500+ in qualifying ACH credits
$100 debit card bonus3
Complete 20+ signature card transactions—no PIN—within 90 days of account opening.
Bonus requirements:
- 20 swipe-and-sign transactions within 90 days of checking account opening
- Bonus posts within 30 days of your 20th cleared transaction
$250 auto loan bonus4
Finance a new or used auto loan within 90 days of opening your new checking account.
Bonus requirements:
- Cash back bonus ranges $50–$250 based on loan amount
- Paid within 30 days of loan disbursement
$100 credit card bonus5
Earn a 10,000 reward point bonus when you open a new U Rewards Visa® Signature credit card.
Bonus requirements:
- Spend $3k in new purchases within 90 days, points awarded within 30 days of qualification
- Earn 10,000 points—worth $100 in cash rewards
Allentown Branch Hours & Location
Allentown, PA 18103
- Audi Allentown
- Ciocca Subaru of Allentown
- Dunkin'
Meet Your Local Lehigh Valley Team
| Lydia NegronAllentown Branch Manager |
| Jessica RodriguezDistrict Manager |
Supporting the Lehigh Valley Community
At United, we are passionate about creating strong communities and supporting programs related to making a difference in the neighborhoods we call home. That’s why you’ll often see Team United out in the community—donating our time, sharing our talents, and contributing resources to make a lasting impact.
Recently, United has proudly supported the following local organizations and events across the greater Lehigh Valley—either through financial contributions or hands-on volunteer efforts:
Our Most Popular Products
Ultra Checking
up to
5.00%
APY6
on balances up to $10,000 after you meet a few easy monthly requirements.
Our Ultra Checking is the ideal checking account for those who regularly keep a balance in their account and are looking to earn a high rate of return on their money.
Free Checking
built for U
FREE
checking7
which means don't worry about any monthly or minimum balance fees, ever.8
Our Free Checking is ideal for those who want a straightforward, everyday checking option—no dividend rate, no fancy perks, and most importantly, no unnecessary fees.
U First Visa® Credit Card
intro offer
0%
APR9
for the first 6 months on purchases and balance transfers then as low as 11.49%10
Our U First Visa® Credit Card is ideal for those who carry a balance month-to-month, offering a competitive low interest rate with no annual or balance transfer fees.
frequently asked questions
There are several ways to qualify for Membership at United in Pennsylvania, including:
- You live, work, worship, attend schools, or regularly conduct business in Lehigh or Northampton Counties.
- 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.
Our Allentown branch, located at 4703 Hamilton Blvd Allentown, PA 18103, is open Monday through Friday from 9:00 am to 5:00 pm.
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.*
*Members 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.
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.
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
Absolutely. For the past 28 years, United has consistently earned a 5‑star rating from BauerFinancial, one of the nation’s most respected financial rating agencies. This distinction—combined with capital levels that significantly exceed the NCUA’s “well‑capitalized” threshold—reinforces United’s strength, stability, and commitment to being a safe, financially sound institution for its Members.
We may be a little biased—but there are some clear reasons why many people find a credit union to be the better choice:
- Member Ownership
Credit unions are not-for-profit and owned by their members, while banks are for-profit and owned by shareholders. That difference means a credit union’s focus is on serving members—not maximizing profits. - Fewer Fees
In general, credit unions tend to offer fewer and lower fees than banks, particularly compared to large national institutions. - Better Rates & Dividends
Because credit unions return earnings to members, they often provide more competitive dividend rates on savings products and lower rates on loans. - More Personal Experience
Credit unions are known for being community-focused and relationship-driven, offering a more personalized experience—rather than a transactional one where you feel like just another account number.
Everyone’s different, and it really comes down to what you want most in a financial partner. In general, though, credit unions tend to offer better value and put members first.
Insured by NCUA. Equal Opportunity Lender. Membership subject to eligibility. Offer as of 9/24/2026 and subject to change without notice. Loans subject to credit approval.
[1] This promotional offer is only available in Pennsylvania and may not be combined with other promotional offers available. Cash or non-cash bonuses in excess of $10.00 are subject to IRS reporting on form 1099-INT.
[2] Offer limited to new member accounts only; one per new Member. Not eligible if TRO (Tax Reporting Owner) is on a current United savings and/or checking account or one that closed in the last 12 months. To qualify for the one-time $250.00 bonus, a new consumer checking account must be opened with a minimum opening deposit of $50.00 and signing up for direct deposit into the account, with more than $1,500 in qualifying direct deposits in the first ninety (90) days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security). Deposits that are not qualifying direct deposits include in-branch deposits, transfers from other accounts at United, and deposits made through real-time payment or peer-to-peer networks such as PayPal, Zelle, Venmo or Cash App. Bonus deposited into new account within thirty (30) days of qualified cumulative direct deposits reaching $1,500 into the account.
[3] A combined total of at least twenty (20) cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on the new consumer checking account. Requires twenty (20) qualifying debit card transactions in the first ninety (90) days from account opening to earn the additional one-time bonus of $100.00. Bonus deposited into new account within thirty (30) days of qualified cumulative debit card transactions reaching 20. To receive the additional $100.00 one-time bonus, the member must also qualify and fulfill the $250.00 bonus requirements.
[4] Application for an auto loan must have been received on or after date of new saving account opening. Auto loan must be disbursed on or before ninety (90) days from new checking account opening. Amount financed of $5,000–10,000 will receive $50.00 bonus, amount financed of $10,001–15,000 will receive $100.00 bonus, amount financed of $15,001–$20,000 will receive $150.00 bonus, amount financed of $20,001–$25,000 will receive $200.00 bonus and amount greater than $25,001 will receive $250.00 bonus. Bonus will be deposited into new account within thirty (30) days of qualified loan activity. To receive the additional auto loan one-time bonus, the member must also qualify and fulfill the $250.00 bonus requirements.
[5] A total of at least $3,000 in new purchase transactions must be cleared on the new URewards credit card within the first ninety (90) days of account opening to earn the one-time bonus. Bonus deposited in the form of 10,000 CardPerks rewards points, within thirty (30) days of qualified cumulative purchases. Certain restrictions, limitations and exclusions apply. Please refer to the CardPerks Terms and Conditions at UnitedFCU.com/cardperks for further details. We may modify, restrict or change the CardPerks Program at any time; your participation in the program after the changes have gone into effect constitutes your agreement to the changes and you will be bound by the revised Terms and Conditions.
[6] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.
[7] A Paper Statement fee of $2.50 per statement will be charged if you are not enrolled in Digital Banking and eDocuments to receive electronic statements. You can enroll in Digital Banking and sign up for eDocuments or enroll via the United App.
[8] Minimum opening balance of $50 required.
[9] APR=Annual Percentage Rate. Rates may vary and are subject to change. Rates determined by applicant’s creditworthiness and are subject to credit approval. Six-month introductory 0.00% APR rate on new purchases and balance transfers is only available for new U First credit cards.
[10] Rates after introductory period between 11.49%-18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.