your benefits

What's in it for you? A lot. Take a look at why becoming a Member of United is in your best interest.

it pays to be a United Member

Convenience, rewards, benefits, and security.

We’re here to support you through life’s moments. That’s why no matter what you’re looking for, we’ve got the solutions you need right when you need them, plus even more. Look through how we offer you more than just simply providing a financial service with products and programs designed for convenience, rewards, benefits, and security.

At United, we understand our Members and what they need. We’re one of the largest credit unions in the U.S., but we’re locally driven. We’ve got great rates and low fees on loans; however, we know it’s about being here when you need us and constantly improving for you.

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

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it pays in convenience

Enjoy our free services and easy availability! Our Members can expect:

  • Personal financial tools to manage your budget
  • Access to investment planning services
  • Easy online applications for loans, mortgages, and deposit accounts
  • Online and mobile services including banking, bill pay and check deposits
  • Banking on-the-go with options to use any CO-OP or Alliance ATMs across the country
  • Free coin exchange

it pays in rewards

There are many ways to receive rewards with United. Some of our products, such as our Rewards Checking account and U Rewards Visa® credit card, earn you back cash rewards to spend on a variety of perks.

As a Member, you share in our earnings. These earnings are returned to you in the form of high-yield products such as Elevate Money Market and Ultra Checking account.

You also receive an ATM fee refund where you can get up to $25 back each month when you get charged for using an ATM.1

But wait! There’s more! Enjoy discounts and rewards through United’s partner programs.

Love My Credit Union®

Get reward offers that are exclusive to credit union members with special prices.


Get increased protection against cyber threats like identity theft and credit fraud.

Intuit TurboTax®

Save up to 20% on federal products when you file taxes using TurboTax.

H&R Block

Take advantage of up to $25 off professional tax preparation.


Find a car and lock in your savings when you search through TrueCar.


Refer a friend or family member to United and we’ll give you $50.

CardPerks™ Rewards

Accumulate points using your reward accounts and redeem them for rewards.

TruStage® Home & Auto Insurance

Peace of mind with complete coverage options.

Travelers Auto & Home Insurance

Travelers offers a discount on auto, home, condo, and renters insurance just for being a United Federal Credit Union Member.

it pays in security

United has consistently been classified, as defined by the National Credit Union Association (十大彩票平台) requirements, of maintaining a net worth ratio of 7% or better. We implement and maintain processes designed to protect our Members, workplaces, and the continuity of critical business activities from the impacts of disruptive events, such as natural disasters, operational incidents, accidents, and human-caused threats.

We offer you additional peace of mind with LifeLock™ Identity Theft Protection, available at a discount with your United Membership.

If at any time you feel your finances are in danger, reach out to our Member Services where we will do everything we can to help you. Learn how to protect yourself with our easy-to-follow steps for keeping your personal information safe.

it pays in connections

it pays in knowledge

Explore our Advice Hub to read in-depth breakdowns of cyber-crimes, helpful tips on paying off debt, guides on navigating the mortgage process, and a variety of other financial topics. Our thought process is simple: the best decisions are informed decisions. We want you to choose us for your banking, loan, and/or mortgage, but we want to help you decide what’s best for you more so.

Sometimes the knowledge you want is about us, United. We strive for transparency. We let you know what our plans are, who we are partnering with, donating to, and what our quarterly growth is. Along with posting in our Press Release, we provide emails and letters to inform you know when upgrades or changes occur and when financial relief is available.

become a United Member

Join our family within your community. Become a United Member today and see how it pays to be with United. With the convenience you expect, the rewards you treat yourself with, the benefits of a credit union, and the security of a financial institution, you’ll be glad you chose United. We can’t wait to see you at our branch!