We understand you because we are you. We live in your community and we go through the same ups and downs when it comes to finances. See how United makes it
Listen, we get it. We are Members just like you and we know the way you use your money is as unique as you are. Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders. Let’s do this together.
We make banking easy. You can manage your money with ease, when and how you want to. And we’re here to help you along the way, when and how you need us.
Want to get started on opening an account? Just pick the account you want to open below - it only takes minutes to apply.
We are regionally diverse, but locally driven. United’s headquarters are located in St. Joseph, Michigan, and has 35 branches in Arkansas, Indiana, Michigan, Nevada, North Carolina and Ohio with $3.8 billion in assets.
We are owned by you, our Members. Unlike banks, we don’t have shareholders. Your voice matters, and we want to hear it. Our CEO must answer to member-elected board of directors who provide oversight and co-leadership.
United is a not-for-profit company that is dedicated to helping its community and Members.
we are U
As a credit union, we typically offer higher rates of return on savings accounts, lower interest rates on loans and have an emphasis on customer service when compared to banks.
We aren’t satisfied with the status quo. We are driven to explore new solutions and bring the best products and services available to all our Members.
At United, we always give our Members the real advice they need to make the financial decisions that are best for them.
we work with U
At United, we take our commitment to both our Members and our communities to heart. That’s what makes a difference in how you experience our people, services, and benefits.
The Members who work at United are rooted in their communities — your communities — as neighbors, volunteers, and mentors.
We love what we do and who we help, during work hours and off. We know what’s happening locally because we live down the same streets you do.
we get U
Checking accounts, savings accounts, and share certificates — whether you need banking services for your personal or business finances, we’ve got you covered with all the online, mobile, and voice banking tools you’d expect.
Our three credit cards provide options to fit your lifestyle. With one that earns you rewards, one with a low APR intro rate, and one to help build credit, it’s hard to determine which is a better deal.
Whether you are looking to refi or buy, United Home Loans come with many benefits, including zero closing cost options.
With no application or processing fees, we help you focus on what’s important with United’s Auto Loan — enjoying the ride in your new vehicle.
we help U
Choose between two — one that earns rewards and one that earns high dividends.
Choose between two — one that earns rewards and one that has a low APR intro rate.
Build your savings even faster.
Designed to fit every dream house. Let's talk about yours.
Find the loan you need to shop for your new car with confidence.
Financing on vehicles that keep you moving on any surface.
Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders.
There are many ways you can qualify for membership. If you don't fall into one of the groups below, reach out to us to talk about all the other ways you can join.
You live, work, worship or attend school near one of our branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio.
U are near us
Either you work for or retired from one of our 900+ Corporate Members1 or you are an immediate family member of one of our Members.
U know us
To join, we will need your address, Social Security / government identification number, and your ID. ID can be in the form of a Driver’s License, State ID, Passport, or Active Military ID.
U want to join
Feel free to stop by a local United branch or click here toBecome a Member
Another option in considering membership qualification is joining the National American Consumer Council. In order to join the ACC, you must complete its membership form along with all other United membership documents. There is no cost to the member to join the National ACC and this option is available to any individual living in the United States.
Please note that the American Consumer Council only applies to individuals, not businesses as membership in the ACC is only available to individuals.
Learn about United's membership benefits, fraud protection, and our Refer-a-Friend program.