why U should join us

We understand you because we are you. We live in your community and we go through the same ups and downs when it comes to finances. See how United makes it all about U.

you're not typical

Neither are we.

Listen, we get it. We are Members just like you and we know the way you use your money is as unique as you are. Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders. Let’s do this together.

We make banking easy. You can manage your money with ease, when and how you want to. And we’re here to help you along the way, when and how you need us.

Want to get started on opening an account? Just pick the account you want to open below - it only takes minutes to apply.

Start One Now

who we are

We are regionally diverse, but locally driven. United is in the top 100 largest federally-insured credit unions in the U.S., with 38 branches covering six states. Our HQ is located in St. Joseph, MI and our branches are throughout Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio.

We are owned by you, our Members. Unlike banks, we don’t have shareholders. Your voice matters, and we want to hear it. Our CEO must answer to member-elected board of directors who provide oversight and co-leadership.

United is a not-for-profit company that is dedicated to helping its community and Members.

we are U

what we do

As a credit union, we typically offer higher rates of return on savings accounts, lower interest rates on loans and have an emphasis on customer service when compared to banks.

We aren’t satisfied with the status quo. We are driven to explore new solutions and bring the best products and services available to all our Members.

At United, we always give our Members the real advice they need to make the financial decisions that are best for them.

we work with U

why we do it

At United, we take our commitment to both our Members and our communities to heart. That’s what makes a difference in how you experience our people, services, and benefits.

The Members who work at United are rooted in their communities — your communities — as neighbors, volunteers, and mentors.

We love what we do and who we help, during work hours and off. We know what’s happening locally because we live down the same streets you do.

we get U

what we offer

Banking

Checking accounts, savings accounts, and share certificates — whether you need banking services for your personal or business finances, we’ve got you covered with all the online, mobile, and voice banking tools you’d expect.

Credit Cards

Our two credit cards provide options to fit your lifestyle. With one that earns you rewards and the other with a low APR intro rate, it’s hard to determine which is a better deal.

Mortgage

Whether you are looking to refi or buy, United Home Loans come with many benefits, including zero closing cost options.

Auto Loan

With no application or processing fees, we help you focus on what’s important with United’s Auto Loan — enjoying the ride in your new vehicle.

And More

Get relevant advice and crunch some numbers with various calculators.

we help U


popular products

Checking Accounts

Choose between two — one that earns rewards and one that earns high interest.

Credit Cards

Choose between two — one that earns rewards and one that has a low APR intro rate.

Bonus Builder Money Market

Build your savings even faster.

Mortgages

Designed to fit every dream house. Let's talk about yours.

Auto Loans

Find the loan you need to shop for your new car with confidence.

Boat, RV, and Other Vehicle Loans

Financing on vehicles that keep you moving on any surface.


join us

Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders.

There are many ways you can qualify for membership. If you don't fall into one of the groups below, reach out to us to talk about all the other ways you can join.

where you are from

You live, work, worship or attend school near our of our branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio.

U are near us

who you know

Either you work for or retired from one of our 900+ Corporate Members1 or your are an immediate family member of one of our Members.

U know us

what you need

To join, we will need your address, Social Security / government identification number, and your ID. ID can be in the form of a Driver’s License, State ID, Passport, or Active Military ID.

U want to join

Feel free to stop by a local United branch or click here to

Become a Member

good to know

As a Member of United, you are eligible to join the American Consumer Council. Each candidate for the ACC has to agree to join based on their state of residence.2

Per state, eligibility is open to individuals living in:

  • Arkansas Consumer Council: Arkansas, Missouri, Louisiana, Mississippi, and Texas.
  • Carolina Consumer Council: North Carolina, South Carolina, Tennessee, Georgia, and Virginia
  • Indiana Consumer Council: Indiana, Illinois, and Kentucky
  • Michigan Consumer Council: Michigan, Minnesota, and Wisconsin
  • Ohio Consumer Council: Ohio, Pennsylvania, and West Virginia
  • Oklahoma Consumer Council: Oklahoma, Kansas, New Mexico, and Colorado

want to learn more?

Learn about United's membership benefits, fraud protection, and our Refer-a-Friend program.

United Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.