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why Nevadans choose United Federal Credit Union
Looking for a banking change? United Federal Credit Union proudly serves Reno, Carson City, and surrounding communities with low fees, competitive rates, and local, personalized service.
award-winning credit union in Nevada
it's time to make the switch & choose better banking
Since 2009, United has proudly served Members throughout The Silver State — with a special commitment to those living and working across greater Carson City and Reno markets. With nearly two decades of experience in Nevada, we understand what matters most to hard-working Nevadans when it comes to their financial partner: security, low fees, competitive rates, convenient locations, and simplicity — all items United goes above and beyond on to deliver to its Members.
Recognized as the Best Financial Institution by Northern Nevada Business Weekly for three consecutive years (2023–2025) and named Best Credit Union by Reno Gazette Journal readers in 2025, United is proud to be the trusted choice for so many in your community. In fact, more than 34,000 Nevadans have already chosen United—maybe it’s time you see why.
our most popular products
Ultra Checking
up to
5.00%
APY1
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
checking2
which means don't worry about any monthly or minimum balance fees, ever.3
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%
APR4
for the first 6 months on purchases and balance transfers then as low as 11.24%5
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.
why choose United Federal Credit Union?
Ryan K.
Reno Summit Member Since 2013
★★★★★
“Beatriz was amazing! This is my second time purchasing a home with her and I wouldn't go to anyone else. She is very knowledgeable and get things done—highly recommended!”
Ben H.
Sparks Member Since 2002
★★★★★
“Roberto and his team made my first-time home buying process a breeze. Roberto and his team were always there to answer any questions and make sure I felt confident in my decision making throughout the process. Can not recommend him and his team enough!”
Michael H.
Carson City Business Member Since 2020
★★★★★
“United is a really competitive credit union with small business accounts and products. BNI Carson City chapter has had accounts with United for over 5 years now and they're outstanding and a huge supporter of our local community.”
find your nearby branch locations
locations in greater Reno, Carson City, & Sparks ready to serve U
With nearly 40 locations across seven states, including 10 right here in northern Nevada across greater Reno, Carson City, Fernley, and Minden, you're never far from a United branch. Plus, as a United Member, through a partnership with CO-OP, you also have access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide.6 To learn more about surcharge free ATMs and Shared Branches, click here.
meet your local Nevada team
| Brandi WardMarket Development Manager - Greater Reno |
| Brook SweetingMarket Development Manager - Greater Carson City |
| Karolina CiesielskaMarket Development Manager — Greater Reno |
| Meredith WilliamsRegional Vice President |
supporting the Nevada 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 in Nevada—either through financial contributions or hands-on volunteer efforts:
- Austin's House
- Big Brothers, Big Sisters of Northern Nevada
- Boys & Girls Club of Truckee Meadows
- Boys & Girls Club of Western Nevada
- Douglas Animal Welfare Group
- Economic Development Authority of Western Nevada
- Education Alliance of Washoe County
- Fernley Community Foundation
- Girls on the Run — Sierras
- Me For Incredible Youth Foundation
- Nevada Food For Thought
- Nevada Humane Society
- PBS Reno
- Reno Sparks Chamber of Commerce
- Soulful Seeds Community Garden
- The Life Change Center
- University of Nevada — Reno
other popular products
frequently asked questions
There are several ways to qualify for Membership at United in Nevada, including:
- You live, work, worship, attend schools, or perform volunteer activities in any of these counties:
- Carson City, Churchill, Douglas, Elko, Eureka, Humboldt, Lander, Lyon, Mineral, Pershing, Storey, Washoe, or White Pine
- 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.
United Federal Credit Union operates ten full-service branches across Nevada, primarily serving the greater Carson City and Reno areas. Current locations include Carson City, Fernley, Minden, Reno, and Sparks, with an additional branch in Lemmon Valley expected to open in late 2026.
To learn more about United’s Nevada branches, click here.
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.
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.
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.
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
recent Nevada press releases
United Celebrates Nevada Branch Grand Re-Opening
United reopens its Summit Branch as a full-service location in Reno, expanding financial services and strengthening community connections.
Brandi Ward Honored for Empowering the Next Generation Through Girls on the Run
United's Brandi Ward earns 2026 Woman of Achievement honors for her leadership and impact with Girls on the Run Sierras.
United, Boys & Girls Club, and Tahoe Knight Monsters Team Up to Support Youth
Learn how United partnered with the Boys & Girls Club of Western Nevada and the Tahoe Knight Monsters to support local youth through a unique hockey‑based fundraiser.
Leading the Financial Future, One Member at a Time
We're proud to share that the Northern Nevada community has voted United #1 in the Financial Institution category and recognized the credit union with #2 in the Mortgage category in Northern Nevada Business Weekly’s Best in Business awards.
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Want Better Credit? Start Here, Right from Your Phone
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[1] 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.
[2] 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.
[3] Minimum opening balance of $50 required.
[4] 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.
[5] Rates after introductory period between 11.24% - 18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.
[6] 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.
[7] Early Pay is provisional credit only. Deposits eligible for Early Pay are limited to payroll direct deposits and government benefit payments made through the Automated Clearing House (ACH) network to a personal checking account. Other deposits or credits are not eligible for Early Pay. Funds from eligible direct deposits may not post early.