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Members: Access Your Accounts

Online Banking • ATIRAcredit Card

For a list of our current loan rates,
click here

Our Lending
Practices

United Credit Union takes a personal approach to lending. While we do take into account your credit history, we do not base our decision on that alone. Because we are your Credit Union, we are here to help. And we will always try our very best to help you meet your loan needs. Plus, the loan rates we advertise on our website, in our newsletter and at the Credit Union are the same low rates for every member. They are not meant to lure you in, only to have them increase when you apply.

Also, as you start paying back your loan, we understand if your situation changes. We are ready and willing to work with you to redo your loan terms to something that helps you pay off the loan. You see, we know and understand because we are members of your community, interested and invested in you and your family. We are United Credit Union, your hometown credit union. And we are united to serve you, our members.

ATIRAcredit MasterCard

United Credit Union partnered with ATIRAcredit Card a few years ago because it is a credit card designed especially for credit union members.  As such, it allows us to provide some of the lowest APRs and fees of any credit card, including no annual fee.  But it doesn’t stop there. 

You get the prestigious Platinum MasterCard with all the consumer protections you need.  At no additional cost, your ATIRAcredit Card features a Zero Liability Policy for any unauthorized use of your card, regardless if it is at the store, over the phone or on the Internet. 

But perhaps the most important reason to be an ATIRAcredit Card member is our pledge to be honest and forthright with you in all of our dealings. 

Credit card rates are based on individual creditworthiness.

Highlights of being an ATIRAcredit Card member

• A generous rewards program with no limits on the number of points you can earn
• Redeem for cash, gift cards, merchandise or travel with as few as 1,000 points
• No annual fee
• No balance transfer fee
• A great low interest rate you expect from United Credit Union
• Worldwide access with your Rewards MasterCard at over 3 million merchants and over 1 million ATMs in 210 countries
• 24/7 Account Access
• Zero Liability fraud protection
• Easy online account access and management
• $250,000 travel insurance policy, automatic and at no cost to you
• Platinum Protection including Extended Warranty Coverage, Price Protection Coverage, and Purchase Assurance Coverage
• Earn points with every purchase. Redeem your rewards for merchandise with as few as 1,000 points, or save them and take your next vacation on us.

Can’t decide which reward is best for you?

Choose a statement credit and take full advantage of the reward equity you have built up in your account. Whether it is a trip across town or across the globe, enjoy the many rewards of your new ATIRAcredit Platinum MasterCard.

For more information, visit the ATIRAcredit Card Website.

Apply today to begin enjoying rewards — times 2! Pick up an application at the Credit Union.

E-Statements Available for your ATIRAcredit Card

Enjoy the security and convenience of the newest enhancement to your ATIRAcredit MasterCard — E-Statements.

No more worrying about misplaced statements, mail fraud or searching for past records. Now you can access your card information from the comfort of your home. Your card information is at your fingertips.

It’s easy to sign up for E-Statements. Just log on to your online account management system and sign up today to begin receiving your statements electronically at ATIRAcredit Card account access.

For a list of our current rates, click here.

Our Lending Process is Easy!

At United Credit Union, we make the loan application process as simple as possible. If you are already a United member, you’ll need to bring your most recent paystub, unless you have your paycheck directly deposited into one of your Credit Union accounts. If you are also joining the Credit Union when you apply for a loan, be sure to bring a picture ID.