Lending Programs
United Credit Union lends money for many worthwhile reasons: new/used cars, recreational vehicles, home improvements, education.

Interest rates on loans form United Credit Union are often lower than rates offered by other lenders.  There are no fees for early repayment.  You pay interest only on unpaid balances.

At United Credit Union you get prompt, confidential service on your loan.  On most loan requests, we will know if you loan is approved within two hours.  Visit our rates page for current rate on your various loan options.

MasterCard
United Credit Union's MasterCard program offers you personal attention, low minimum monthly payments, worldwide acceptance, case accessibility, and a low APR rate.

Share Draft Accounts
Share draft accounts at United Credit Union offer checking with a difference.  Your account is immediately credited when you make a deposit.

Record keeping is easy.  Monthly statements are sent to you.

Overdraft protection is available on share draft accounts.

MasterMoney Debit Card
Leave your checkbook at home.  Slip the United Credit Union MasterMoney Card in your pocket and say good-bye to your bulky checkbook.  The new MasterMoney Card can do just about every your checkbook can do - and then some!

While the card looks like a credit card with its MasterCard logo, it is actually a debit card, which means your purchases are deducted directly from your share draft checking account.  Imagine the convenience of accessing your share draft checking account at merchants worldwide - anywhere MasterCard is accepted - without ever writing a check or bothering with the hassles that go along with it. 

All of this convenience is free.  There are no transaction fees when you choose the "credit" option for purchases.  Plus, unlike a credit card, no interest will accrue, since the settlement comes directly from your share draft checking account.  And better than a mere check number on your statement, you will see the name and location of the merchants and ATM locations where you used your card.

The MasterMoney Card works as an ATM card, too.  So you'll still be able to access your account at any ATM location across the country.  You receive 4 free ATM transactions per month.

The United Credit Union MasterMoney Card is simple and convenient - the best of both worlds!  To receive your card, simply complete the application and return it to United Credit Union.

Share Saving Accounts
Saving regularly at your credit union is the best way to have a secure financial future.  Your regular share savings account is your main credit union account with dividends being paid on your deposits.  Quarterly statements keep you informed of interest earned.

Share Certificates
For savers with large amounts of money to invest, United Credit Union offers several share certificates with varying maturity lengths.

Each term is available in programs ranging from $500.00 and up.

Rates may vary monthly, so please view our rates page for the current rate on the certificate of deposit which interests you.

Christmas Club Accounts
Make the holidays extra-special by having the cash you need from your United Credit Union Christmas Club.  Christmas Club accounts earn dividends and are deposited to regular shares on Novembers 1st of each year.

The Kirby Kangaroo  Club
For young members, 12 years old and younger, United Credit Union offers a program to teach systematic savings techniques while providing fun and exciting events throughout the year.  Children have the opportunity to save for gifts and prizes, too.

Kirby Kangaroo  Club savings accounts earn the same dividends as share savings account.  View our rates page for the current interest rate.

IRAs
An Individual Retirement Account from United Credit Union can build the kind of nest egg that takes the worry out of retiring.  We offer IRAs under two types of programs:

Share IRA - This type of IRA is for members who choose to deposit on a regular basis.  There is a minimum deposit of $25.

Share Certificate IRA - This type of IRA pays a higher dividend but members cannot deposit after the IRA has been opened.  Deposits can be made at maturity date.  Maturity is s 1 year minimum with a minimum deposit of $500.

Savings Insurance
You can always feel secure when saving at United Credit Union since all savings deposits up to $100,000 are insured by the National Credit Union Administration, an agency of the U.S. Government.