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How to Join
Am I eligible? If you live or work in Pottawattamie County, Iowa, then you are eligible to join United Credit Union and take advantage of all our great loan rates, services and financial products. Contact the Credit Union today to join. |
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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. |
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Current Fees — Some of the lowest around!
Cleared Share Drafts
Students age 20 or younger & nonprofit organizations with
501-(c)3 status, FREE • state sales tax applies |
$0.10 per draft |
NSF Checks or ACH returns |
$25.00 |
Covered NSF or ACH |
$25.00 |
Deposit items returned NSF |
$15.00 |
Negative account fee |
$10.00 |
Microfiche copy of cleared draft
research fee applies after 6 months |
$2.00 |
Stop Payments |
$25.00 |
Statement Copies |
$3.00 |
Money Orders |
$1.50 |
Fax OUT per page |
$1.00 |
Wire IN |
$10.00 |
Wire OUT |
$15.00 |
Foreign Wire |
$50.00 |
Photocopies per item |
$0.10 |
Corporate Checks made payable to someone other than our member |
$1.50 |
Cashiers Check |
$3.00 |
Counter Checks |
8 for $3.00 |
Closing share account within first 90 days |
$25.00 |
Research fee per hour |
$25.00 |
Reopen account fee |
$25.00 |
Dormant Account fee per month |
$5.00 |
Change of address |
actual cost |
Garnishment/Levy Administrative Fee |
$25.00 |
Check Cashing Fee*
*If member does not have enough in his or her account to cover amount of check(s) being cashed. WE DO NOT CASH CHECKS FOR NONMEMBERS |
$5.00 |
MASTERMONEY (debit card)
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Annual Fee |
none |
ATM Card Usage Fee |
4 FREE Transactions per month |
Each ATM Transaction over 4 in one month |
$1.00 |
Card Replacement Fee |
$15.00 |
PIN Replacement Fee |
$7.50 |
Merchant Ticket Copy Fee |
$5.00 |
NSF Fee |
$25.00 |
Decoupled Debit Card Fee Manual Post |
$2.00 |
Some fees subject to Iowa Sales Tax
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Our Lending Process is Easy!
At United Credit Union, we make the loan application process as simplified 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. |
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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government.
Rates are current as of March 2011 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
© 2011 United Credit Union |
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