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Share Savings

Our Regular Share / Savings account is your membership account with the Credit Union. An initial deposit of $21.00 (which includes a $1.00 membership joining fee) is all it takes to get started.

In compliance with the USA PATRIOT Act, we are required to obtain and verify identification provided for all new account owners and joint owners, using methods permitted by law.

Our Regular Share / Savings account is your membership account with the Credit Union. An initial deposit of $21.00 (which includes a $1.00 membership joining fee) is all it takes to get started. A Newsletter is sent out with the quarterly statement to keep you updated on Rate changes, New Services, and important information about your Credit Union. Dividends are compounded and credited quarterly. Accounts must maintain a minimum balance of $20.00 to earn dividends. If the Account is closed within the first 3 months of opening, there is a $20.00 penalty fee.

Account transfer limitations do apply.

Our Special Share / Savings account is similar to the Regular Share / Savings Account, but has no minimum balance requirement. This Account can be utilized for Vacation funds, Christmas Savings Account, or many other needs where you desire to keep the funds separated. Dividends are compounded and credited quarterly.

Account transfer limitations also apply

Money Market Fund Account

Our Money Market Fund account has a minimum balance requirement of $1,000.00 to earn a dividend. Dividends are compounded daily and credited monthly. Accounts not maintaining a balance of $1,000.00 will not earn a dividend for the time the balance is below the minimum required deposit.

Account transfer limitations also apply.

Fun Savers Account Club

For our young savers, ages 0 – 13, we offer a savings account to get our future generations started saving. A fun Newsletter is sent out quarterly with the Statement of Account. There is a minimum opening balance requirement of $20.00 and the $1.00 membership joining fee is waived. This account will earn a dividend which is compounded and credited quarterly. Accounts must maintain the minimum balance required to earn dividends.

Account transfer limitations also apply.

Checking

Regular Checking

We offer a FREE regular checking account to meet member's needs that includes no Minimum Balance required to open the account, no monthly Service Charge, and Unlimited Check Writing capabilities. We also offer FREE Internet Banking Service to manage your Accounts online 24 hours a day, 7 seven days a week. No dividends can be earned on this account. Overdraft Draft Protection is available to those that qualify. Over Draft Protection can be tied to more than one account.

Account transfer limitations also apply.

United Seniors Account

This is a checking account for those 60 years young and up. Enjoy no Service Charge, one Free Box of Checks per calendar year, Free Teller Checks, Free Printouts, Free Fax Service (up to 2 pages), and a Quarterly Newsletter. There is no minimum balance required to open the account, but no dividends can be earned. If you have a regular checking account now and have reached 60 please give us a call to find out how simple it is to switch to a Senior account today.

Account transfer limitations also apply.


Individual Retirement Account

Traditional IRA

We offer a Traditional IRA to anyone under the age of 70½ who has income from compensation (or who is filing jointly with a spouse who earns compensation). Contributions made to the IRA could be tax-deductible and earnings grow tax-deferred until withdrawn. The IRA owner is required to begin taking withdrawals by age 70½. Please contact the Credit Union for a brochure discussing the differences between the different IRA's and contact a tax professional for tax advice.

Each account compounds dividends quarterly and are credited monthly.

There is no minimum opening balance requirement.

ROTH IRA

We offer a ROTH IRA to anyone who has income from compensation (or who is filing jointly with a spouse who earns compensation) with the following Modified Adjusted Gross Income:

  • Single – Up to $95,000
  • Married, Filing Jointly – Up to $150,000

There are certain Phase-Out Ranges and restrictions; please consult a tax professional for tax advice. Contributions are not tax-deductible, but regular contributions can be withdrawn tax and penalty free at any time. The IRA owner is not required to begin taking withdrawals at age 70½. Please contact the Credit Union for a brochure discussing the differences between the different IRA's and contact a tax professional for tax advice.

Each account compounds dividends quarterly and are credited monthly. We also offer Roth Term Share Certificates that pay monthly dividends.

There is no minimum opening balance requirement.

Coverdell Education Savings Account

We offer Education Savings Accounts for Members who desire to help pay education expenses for a particular child under the age of 18. Anyone can contribute to the fund, but must meet certain income requirements. Contributions are not tax-deductible. Withdrawals are tax and penalty free only for qualified education expenses and the funds can be transferred from one child's account to an account for another child in the family. Certain restrictions may apply. Please contact the Credit Union for a brochure discussing the differences between the different IRA's and contact a tax professional for tax advice.

Each account compounds dividends quarterly and are credited monthly.

There is no minimum opening balance requirement.

IRA Term Share Certificates

We have a wide range of Term Share Certificates to choose from:

  • 3 Month Certificate
  • 6 Month Certificate
  • 12 Month IRA Certificate
  • 18 Month Certificate
  • 24 Month IRA Certificate

Each of these Term Share Certificates has a minimum balance of $1000.00. Certain early withdrawal penalties may apply.

  • 6 Month Jumbo Certificate
  • 12 Month Jumbo Certificate
  • 36 Month Jumbo Certificate
  • 48 Month Jumbo Certificate

Each of these Term Share Certificates has a minimum balance of $25,000.00 Certain early withdrawal penalities may apply.

  • 12 Month IRA Certificate
  • 24 Month IRA Certificate
  • 36 Month IRA Certificate

There are no penalties for required RMD's on Term Share Certificates. There are penalties for early withdrawals other than what is approved by IRS. Certain IRS penalties may also apply.

All of our Term Share Certificates are set up for auto renewal. Notices are generated approximately 45 days prior to maturity and sent to the Credit Union for mail out. There will be a 10 day grace period after maturity for changes to be made to the certificate such as surrender, add to, reduce, or change term without penalty. Anything after the 10 day grace period will receive a penalty. No new certificates will be mailed out. The number will remain the same just the maturity date will change. If you have any questions please feel free to call Sherrie McFarlin.

EFT

We have several different products to help simplify your life:

  • Debit Cards
    No more checks!!! Take the hassell out of shopping with a United Credit Union Debit Card. Click here to apply online or come by the office and fill out an application. There is no processing charge and no per usage fee to use the Debit/ATM Cards.

    *A maximum daily limit of $500.00 applies. Must have a checking account to qualify. Contact the office for more details.

    To report a lost or stolen Debit Card please call 800-472-3272

  • Internet Banking

    We offer FREE Internet Banking to help you manage your accounts in the convenience of your home 24 hours a day, 7 days a week.

    You must complete a form here at the Credit Union to request access to the secure site. Once we receive the completed form you will receive a letter with your Username, Password, and instructions to access your Accounts. The total process time is 24 hours to get set up in the system and is very user-friendly!

    Click here for our locations.

    Click here to enter Internet Banking.


  • Direct Deposit

    What better of a service than to have your Payroll checks direct deposited here at the Credit Union! Never worry about getting to the Credit Union before closing time or worrying about your Payroll Department holding your check until you get back from Vacation again! Your funds will be directly deposited into the account specified on the appropriate pay-dates through a secure system.

    All you need to do is click here to complete the appropriate form to print out and mail in. Once we receive the form, we will then forward to the appropriate Company for proper action. Please make sure and complete all areas for proper processing.

  • Wire Transfers

    We offer Wire Transfer Service for all incoming and outgoing wires in the United States. Please see Fee Schedule for applicable fees. Incoming wires can be accepted at any time, but the cut-off time for outgoing wires is 2:00 p.m. Please make sure wire information is verified by all Financial Institutions for proper processing. Some limitations may apply.

  • Online Check Orders

    Trouble loading the application? If you are unable to use the links on this page successfully, it may be because you are using a pop-up blocker that is blocking the application. You can correct this by allowing pop-ups on this page or by adding your financial institution's web address and https://webadmin.cavionplus.com to your pop-up blocker's list of allowed sites. Be advised that you may have more than one pop-up blocker program enabled, particularly if you have installed additional toolbars to your browser.

    We have invested in VeriSign's secure server digital certificate to protect your data. Through the use of Secure Socket Layer (SSL) technology, the standard for secure communications on the Web, your data is being sent to a secure database and is encrypted to protect your privacy.

  • Online Loan Applications - To complete and submit a loan application through a secure site on the Internet.

Consignment Tickets

Credit Card

We offer two different types of Credit Cards for qualified Members:

Standard Mastercard

Credit Limit up to $5,000.00; Interest Rate of 13.50%.
We offer a Standard Mastercard for all qualified Members. Please see details below:

  • Credit Limit up to $5000.00*
  • No Annual Fee
  • Convenient Payment Options
  • Low Rate of 13.50%

Contact the Credit Union for more information or click here to apply. *Subject to approval.

To report lost or stolen Mastercard please call 800-442-4757.

Platinum Mastercard

We now offer a Platinum Mastercard for all qualified Members as another way of saying "Thank You" for your loyal service to United Credit Union. See details below:

  • Credit Limit up to $10,000.00*
  • Low introductory rate of 3.9% for 6 months, 8.99% thereafter
  • Convenient Payment Options
  • No Annual Fee

Contact the Credit Union for more information or click here to apply. *Subject to approval.

To report a lost or stolen Mastercard please call 800-442-4757

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