exciting changes to Reno Summit branch 

Insured by NCUA. Equal Housing Lender. NMLS #471962. Membership subject to eligibility. Loan subject to credit approval. 

[1] This promotional offer may not be combined with other promotional offers available. Offer as of 11/1/2025 and subject to change without notice. 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 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 Ultra Checking account or Rewards 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] Members are entitled to five (5) free withdrawals per month through CO-OP Network and Alliance One ATMs. Transactions at ATMs not owned by United Federal Credit Union may incur an additional surcharge from the ATM owner. This fee is not collected nor controlled by United Federal Credit Union.

[7] 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.

[8] Subject to CardPerks Terms and Conditions. View Terms and Conditions for more information.

[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.