(712) 322-0841

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.

Share & CD Pledge Loans

A Share Pledge or CD Pledge is a loan pledged against a savings account or share certificate of deposit with United Credit Union. Funds equal to the balance of the loan are frozen in the savings/certificate account. As the loan balance is paid down, funds are released back into your available balance. On share certificate pledge loans, the loan term is up to the maturity date of the certificate.

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.