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 limited to residents of Arkansas, Indiana, Michigan, Ohio, Oklahoma, Pennsylvania, Nevada, and North Carolina. Offer as of 1/1/2026 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. Failure to use the QR code or mention the offer may result in forfeiture of the promotion offer.
[2] Offer limited to new United checking accounts only; one per new Member. Not eligible if TRO (Tax Reporting Owner) is on a current United 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, transfers between financial institutions, and deposits made through real-time payment or peer-to-peer networks such as PayPal, Zelle, Venmo or Cash App. Bonus deposited into new United checking 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 United 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 United checking 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. 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. Refinancing of existing United auto loans are not eligible for this offer.
[5] No payment option available to qualified borrowers. First payment due 90 days after loan closing. Finance charges accrue during the payment deferral beginning on the closing date. Offer may not be available to Pennsylvania residents.
[6] 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.
[7] Loans subject to credit and collateral approval as well as program terms and conditions, available on new mortgage applications. Payment example, $300,000 financed for 360 months at a fixed rate of 6.99% APR equals a monthly payment of $1,970.79. Payment example does not include amount for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Up to 360 months financing available. Certain restrictions apply. Rate may be variable based on products and may be increased after consummation. Discount issued at closing and may pocket cash requirements at closing. This offer may not be combined with any other offers, discounts, or promotions. Discount not valid on home equity loans or lines of credit. Portfolio Loans do not qualify for this special. Eligible loans include 30, 20, 15, and 10 year fixed rate Conventional and Government Loans.
[8] 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.
