United Food & Commercial Workers Union

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 9/1/2025 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 this auto loan one-time bonus, member must also qualify and fulfill the $250.00 new checking account 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] Loan application must be submitted within six (6) months of new membership to qualify. Discount issued at closing and may not exceed out of pocket cash requirements at closing. This offer may not be combined with any other offers, discounts, or promotions. Discount not valid on home equity installment loans or lines of credit.

[7] This introductory APR applies only to new loans approved on or after 9/18/2025 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. 

[8] After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

[9] Autopay discount is 0.25% with the setup of automatic payment from an Ultra or Rewards checking account.

[10] 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.