North Carolina Update:

Our Asheville, Hendersonville, and Fletcher, NC branches have re-opened and are now full-service. The Hendersonville South Branch and ATM remain closed and unavailable. For more details and financial options, click here.

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United Offers Federal Government Employees Financial Relief Programs

ST. JOSEPH, Mich. – United Federal Credit Union immediately offers its Members employed by the federal government and impacted by the December 2018 government shutdown the following relief programs:

  • Waiver of early withdrawal penalty on share certificates1  
  • Signature Loan with no payments for 90 days2
  • Installment loan deferments3
  • U First credit card with 0% Intro APR  for six months, then a variable rate from 9.99% to 18.00% APR4

“When unexpected circumstances impact our Members’ lives, United steps up to help them through it,” said Chief Innovation and Marketing Officer, Erin Hennessy (2016-2020). “Even a slight disruption in someone’s finances can be stressful, especially when it concerns their job. United makes relief programs like these available so our Members can breathe a little easier when times are uncertain.”

To implement these benefits, Members need to visit their local branch or call our Member Service Center at (888) 982-1400.

These opportunities will be available only for the length of the shutdown and end the same day the shutdown ends.


1) Limited to once every 30 days during the government shutdown that began in December 2018 and limited to the amount of normal monthly net deposit of federal government payroll.

2) Available to qualified borrowers for signature advance deferred personal loans closed after 1/1/2019. Finance charges begin on the closing date and interest accrues during the payment deferral period.

3) Requires a minimum of a 12-month loan payment history on file for the requested loan. This program only applies to auto or recreational vehicle loans. All United loans must be current at the time the offer is requested. Limit two skip payments per year per loan. Other terms and conditions may apply. Interest will continue to accrue on your loan and your original loan term will be extended.

4) APR=Annual Percentage Rate. Rates accurate as of 12/28/2018 and may vary. Six-month introductory rate of 0.00% APR or 2.99% APR available only for new U First credit cards and applies only to purchases and balance transfers. Rates offered are determined by applicant’s creditworthiness.

Program offers available only during the federal government shutdown and concludes the same day as when the government shutdown ends. Subject to credit approval. Equal Opportunity Lender.

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