why Nevadans choose United Federal Credit Union
Looking for a banking change? Discover the credit union difference at United Federal Credit union and earn up to $700 in new account bonuses!¹
unlock up to $700 in new Member bonuses
offer available only for Nevada residents
There's never been a better time to make the switch! For a limited time, new members from Nevada can earn up to $700 in new account bonuses¹ when taking advantage of these qualifying offers.
$250 new checking bonus2
Open a checking account and complete the easy requirements below to earn up to $250 in cash bonuses.
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
Earn a 10,000 reward point bonus when you open a new U Rewards Visa® Signature credit card.
Bonus requirements:
- Spend $3k in new purchases within 90 days, points awarded within 30 days of qualification
- Earn 10,000 points—worth $100 in cash rewards
why choose United Federal Credit Union?
Since 2009, United has proudly served Members throughout The Silver State — with a special commitment to those living and working across greater Carson City and Reno markets. With nearly two decades of experience in Nevada, we understand what matters most to hard-working Nevadans when it comes to their financial partner: security, low fees, competitive rates, convenient locations, and simplicity — all items United goes above and beyond on to deliver to its Members.
Ryan K.
Reno Summit Member Since 2013
★★★★★
“Beatriz was amazing! This is my second time purchasing a home with her and I wouldn't go to anyone else. She is very knowledgeable and get things done—highly recommended!”
Ben H.
Sparks Member Since 2002
★★★★★
“Roberto and his team made my first-time home buying process a breeze. Roberto and his team were always there to answer any questions and make sure I felt confident in my decision making throughout the process. Can not recommend him and his team enough!”
Michael H.
Carson City Business Member Since 2020
★★★★★
“United is a really competitive credit union with small business accounts and products. BNI Carson City chapter has had accounts with United for over 5 years now and they're outstanding and a huge supporter of our local community.”
find your nearby branch locations
locations in greater Reno, Carson City, & Sparks ready to serve U
With nearly 40 locations across seven states, including 10 right here in northern Nevada across greater Reno, Carson City, Fernley, and Minden, you're never far from a United branch. Plus, as 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 To learn more about surcharge free ATMs and Shared Branches, click here.
meet your local Nevada team
| Brandi WardMarket Development Manager - Greater Reno |
| Brook SweetingMarket Development Manager - Greater Carson City |
| Karolina CiesielskaMarket Development Manager — Greater Reno |
| Meredith WilliamsSenior Vice President of Retail |
supporting the Nevada community
At United, we are passionate about creating strong communities and supporting programs related to making a difference in the neighborhoods we call home. That’s why you’ll often see Team United out in the community—donating our time, sharing our talents, and contributing resources to make a lasting impact.
Recently, United has proudly supported the following local organizations and events in Nevada—either through financial contributions or hands-on volunteer efforts:
- Austin's House
- Big Brothers, Big Sisters of Northern Nevada
- Boys & Girls Club of Truckee Meadows
- Boys & Girls Club of Western Nevada
- Douglas Animal Welfare Group
- Economic Development Authority of Western Nevada
- Education Alliance of Washoe County
- Fernley Community Foundation
- Girls on the Run — Sierras
- Me For Incredible Youth Foundation
- Nevada Food For Thought
- Nevada Humane Society
- PBS Reno
- Reno Sparks Chamber of Commerce
- Soulful Seeds Community Garden
- The Life Change Center
- University of Nevada — Reno
other popular products
frequently asked questions
There are several ways to qualify for Membership at United in Nevada, including:
- You live, work, worship, attend schools, or perform volunteer activities in any of these counties:
- Carson City, Churchill, Douglas, Elko, Eureka, Humboldt, Lander, Lyon, Mineral, Pershing, Storey, Washoe, or White Pine
- You currently work for, volunteer at, or have retired from one of United’s 900+ Select Employee Group (SEG) partners.
- You have an immediate family or household member who is a current Member or who is eligible for Membership.
- You choose to join the National American Consumer Council, at no cost to you.
Ready to become a Member today? Click here to join online.
United Federal Credit Union operates ten full-service branches across Nevada, primarily serving the greater Carson City and Reno areas. Current locations include Carson City, Fernley, Minden, Reno, and Sparks, with an additional branch in Lemmon Valley expected to open in late 2026.
To learn more about United’s Nevada branches, click here.
These bonus offers are available for a limited time and may be modified or discontinued at any time. If you're considering making the switch, we encourage you to take advantage of these offers while they're still available.
If you open your account at a United branch, be sure to mention promotional code 'NMI' to the team member assisting you so your account can be properly tracked for bonus eligibility.
Yes. As a United Member, you have access to the CO-OP Shared Branch network, which gives you access to 5,550+ locations nationwide. Through Shared Branching, you typically can:
- Make deposits and withdrawals
- Transfer funds
- Make loan payments
- Check account balances
To learn more about United’s Shared Branch Network, click here.
Absolutely. As a United Federal Credit Union Member, you can use 35,000+ surcharge free ATMs nationwide through the CO-OP and Alliance One networks.¹
1Members receive up to five (5) free withdrawals per month at non‑United ATMs. Withdrawals conducted at CO‑OP Network ATMs are surcharge‑free. After the five (5) free withdrawals are used, additional non‑United ATM withdrawals, as well as withdrawals at CO‑OP/Alliance ATMs, may be subject to fees assessed by United Federal Credit Union. Transactions conducted at non‑CO‑OP bank or privately owned ATMs may also be subject to a surcharge assessed by the ATM owner. Any such surcharge is not imposed, collected, or controlled by United Federal Credit Union.
Branch hours can vary by location. To make sure you have the most up-to-date information for a specific branch, we recommend visiting our branch hours page.
At United, we offer a full range of personal and business products designed to support every aspect of your financial life—from everyday banking and borrowing to saving and long‑term financial planning. Some of our most popular products include:
Becoming a Member of United Federal Credit Union is simple. You can join online through United’s website or visit any of our nearly 40 branch locations nationwide.
There is no fee to become a member of United Federal Credit Union.
To join, you simply open and fund a Membership Savings account with a minimum of $5, which represents your ownership share in the credit union. This $5 is not a fee—it remains your money and would be returned to you if you ever close your membership.
When you become a member of United, your $5 Membership Savings represents your share or ownership of the credit union—making you a member‑owner.
Beyond ownership, you gain access to a full suite of financial products, digital tools, and personalized service designed to support your everyday banking needs and long‑term financial goals.
Yes. The money you have at United is insured up to $250,000 by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund and fully backed by the full faith and credit of the U.S. government.
Absolutely. For the past 28 years, United has consistently earned a 5‑star rating from BauerFinancial, one of the nation’s most respected financial rating agencies. This distinction—combined with capital levels that significantly exceed the NCUA’s “well‑capitalized” threshold—reinforces United’s strength, stability, and commitment to being a safe, financially sound institution for its Members.
We may be a little biased—but there are some clear reasons why many people find a credit union to be the better choice:
- Member Ownership
Credit unions are not-for-profit and owned by their members, while banks are for-profit and owned by shareholders. That difference means a credit union’s focus is on serving members—not maximizing profits. - Fewer Fees
In general, credit unions tend to offer fewer and lower fees than banks, particularly compared to large national institutions. - Better Rates & Dividends
Because credit unions return earnings to members, they often provide more competitive dividend rates on savings products and lower rates on loans. - More Personal Experience
Credit unions are known for being community-focused and relationship-driven, offering a more personalized experience—rather than a transactional one where you feel like just another account number.
Everyone’s different, and it really comes down to what you want most in a financial partner. In general, though, credit unions tend to offer better value and put members first.
Yes. United Federal Credit Union offers a full suite of business banking services designed to support small businesses, nonprofits, and commercial organizations at every stage of growth.
Some of our most popular business banking solutions include:
- Business & Non-Profit Checking
- Business Savings & Money Market Accounts
- Business Term Loans, Lines of Credit, Real Estate, and SBA Loans
- Commercial Visa® Credit Cards
- Merchant Services
recent Nevada press releases
United Named Inspiring Workplace in North American for Third Consecutive Year
United named a Top 100 Inspiring Workplace in North America for the third year, earning honors for leadership, inclusion, and a people-first culture.
United Celebrates Nevada Branch Grand Re-Opening
United reopens its Summit Branch as a full-service location in Reno, expanding financial services and strengthening community connections.
Brandi Ward Honored for Empowering the Next Generation Through Girls on the Run
United's Brandi Ward earns 2026 Woman of Achievement honors for her leadership and impact with Girls on the Run Sierras.
United, Boys & Girls Club, and Tahoe Knight Monsters Team Up to Support Youth
Learn how United partnered with the Boys & Girls Club of Western Nevada and the Tahoe Knight Monsters to support local youth through a unique hockey‑based fundraiser.
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[1] Insured by NCUA. Equal Opportunity Lender. Membership subject to eligibility. Offer as of 07/01/2026 and subject to change without notice. Loans subject to credit approval. This promotional offer is only available in Nevada and may not be combined with other promotional offers available. 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 consumer 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 consumer 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 receive up to five (5) free withdrawals per month at non‑United ATMs. Withdrawals conducted at CO‑OP Network ATMs are surcharge‑free. After the five (5) free withdrawals are used, additional non‑United ATM withdrawals, as well as withdrawals at CO‑OP/Alliance ATMs, may be subject to fees assessed by United Federal Credit Union. Transactions conducted at non‑CO‑OP bank or privately owned ATMs may also be subject to a surcharge assessed by the ATM owner. Any such surcharge is not imposed, collected, or controlled by United Federal Credit Union.
[7] Early Pay is provisional credit only. Deposits eligible for Early Pay are limited to payroll direct deposits and government benefit payments made through the Automated Clearing House (ACH) network to a personal checking account. Other deposits or credits are not eligible for Early Pay. Funds from eligible direct deposits may not post early.