why U should join us

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 all about U.

you're not typical

Neither are we.

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.

Start One Now

who we are

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

what we do

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

why we do it

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

what we offer


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.

Credit Cards

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.

Auto Loan

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.

And More

Get relevant advice and crunch some numbers with various calculators.

we help U

popular products

Checking Accounts

Choose between two — one that earns rewards and one that earns high dividends.

Credit Cards

Choose between two — one that earns rewards and one that has a low APR intro rate.

Elevate Money Market

A tiered program, so the more money you have in your account, the higher your earning potential.


Designed to fit every dream house. Let's talk about yours.

Auto Loans

Find the loan you need to shop for your new car with confidence.

Boat, RV, and Other Vehicle Loans

Financing on vehicles that keep you moving on any surface.

join us

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.

where you are from

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

who you know

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

what you need

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 to

Become a Member

good to know

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.

want to learn more?

Learn about United's membership benefits, fraud protection, and our Refer-a-Friend program.