Earn up to $7001
when U join United!
For a limited time, become a Member of United and score up to $700 in new member bonuses.
make the switch & get up to $700
for becoming a Member of United!
It’s our limited‑time welcome gift to help you bank smarter—no gimmicks, just real rewards and hometown support. Open a new membership with checking, use your debit card, finance an auto loan or pick up a U Rewards Visa® credit card, and you’ll unlock several cash bonuses.
Below are the four simple ways to earn—let’s get started. At United, we get U.
$250 new checking bonus2
Open an Ultra Checking or Rewards Checking and meet a few basic requirements:
Bonus requirements:
- $50 minimum opening deposit with direct deposit setup
- Bonus paid within 30 days of $1,500+ in qualifying ACH credits
$100 debit card bonus3
Complete 20+ signature card transactions—no PIN—within 90 days of account opening.
Bonus requirements:
- 20 swipe-and-sign transactions within 90 days of checking account opening
- Bonus posts within 30 days of your 20th cleared transaction
$250 auto loan bonus4
Finance a new or used auto loan within 90 days of opening your new checking account.
Bonus requirements:
- Cash back bonus ranges $50–$250 based on loan amount
- Paid within 30 days of loan disbursement
$100 credit card bonus5
Open a U Rewards Visa® Signature credit card and spend $3,000+ within the first 90 days.
Bonus requirements:
- Spend $3,000+ within 90 days on qualifying purchases
- Earn 10,000 points—worth $100 in cash rewards
why join United?
its all about U!
We’re Members like you—your goals and needs aren’t one‑size‑fits‑all. At United, our focus is your future, not shareholder profits, so every product and service is designed around your life, not ours. Bank on your terms with 24/7 digital tools and hometown branches, and rest easy knowing real people are here to guide you every step of the way.
find your nearby branch locations
nearly 40 convenient locations to serve U
With nearly 40 locations across seven states, you're never far from a United branch. Plus, 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
our popular products
Browse through our more popular products. Each one of our products is competitive with the market and offers unique benefits for you.
Ready? Fill out the form to start earning bonus cash now!
Insured by NCUA. Equal Housing Lender. NMLS #471962. Membership subject to eligibility. Loan subject to credit approval.
[1] This promotional offer is only available in Northwest Arkansas and Pennsylvania and may not be combined with other promotional offers available. Offer as of 06/01/2025 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.