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United branches will close at 12 p.m. on Dec. 24 and reopen on Dec. 26. Access your accounts anytime via Digital Banking, Mya Voice Assistant, or ATMs. Happy Holidays from Team United!

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Government Shutdown Assistance

10/1/2023 | Team United

We're Here For U

If the government shuts down, we're here to help

United values government employees, and we know how a government shutdown affects your financial wellbeing. That’s why we want to make sure you have the help you need from us to get through this tough time.

If you’re a federal government employee, we’re here to help with:

  • Waiver of early withdrawal penalty on share certificates1
  • Signature Loan with no payments for 90 days2
  • Installment loan deferments3
  • U First credit card with 0% Intro APR for six months, then a variable rate from 12.99% to 18.00% APR4

Are you eligible?

Any member who is a federal government employee with pay affected by the government shutdown.

Need help?

Come see us at one of our branches or give us a call at (888) 982-1400.

Program offers available only during the federal government shutdown and concludes the same day as when the government shutdown ends. Subject to credit approval.

1) Proof of federal payroll required. Limited to the amount of normal monthly net deposit of federal government payroll.

2) Available to qualified borrowers for signature loans closed after 10/01/2023. Finance charges begin on the closing date and interest accrues during the payment deferral period.

3) Requires a minimum of a 12-month loan payment history on file for the requested loan. This program only applies to auto or recreational vehicle loans. All UFCU loans must be current at the time the offer is requested. Limit two skip payments per year per loan. Other terms and conditions may apply. Interest will continue to accrue on your loan and your original loan term will be extended.

4) Six-month introductory 0.00% APR rate on new purchases and balance transfers is only available for new U First credit cards. [2] Rates after introductory period between 12.99%-18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma); rates may vary. Rate determined by applicant’s creditworthiness. [3] Balance transfer rates after introductory period between 12.99% - 18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness. You may transfer any amount, but the total amount of your balance transfer must be less than your available credit limit. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You can’t transfer balances from other accounts issued by United Federal Credit Union. There is no grace period on balance transfers or cash advances; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account.