What are the current interest rates at United Federal Credit Union?

Current rates for United Federal Credit Union include: 12-Month CD: 3.70%, MMA: 3.50%

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United Federal Credit Union

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United Federal Credit Union Rates & Review June 2026

Q: Is a member application needed to join United Federal Credit Union?

Yes, to access services at United Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

United Federal Credit Union's 8 month CD Special rates are at 3.95%, 13 month CD Special rates are at 3.70%. United Federal Credit Union's money market rates are at 3.50%. United Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.13%. Rates were last updated on 06/16/2026.

United Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Federal Credit Union? Share your experience about United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.13%

Excellent Lower than avg

United Federal Credit Union
Team United HQ Hilltop

150 Hilltop Rd
Saint Joseph, MI 49085 2381

https://www.unitedfcu.com

United Federal Credit Union CD Rates

Product	Rate	APY	Term
8 month Share Certificate Special	-	3.95%	8 months
Details When paired with an Ultra Checking account. IRA eligible. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
13 month Share Certificate Special	-	3.70%	13 months
Details When paired with an Ultra Checking account. IRA eligible. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Elevate Money Market	-	3.50%
Details Rates up to 3.50% APY. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	4.99%
Details Intro rate for 6 months. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)	-	-	4.99%
Details Intro rate expires: 6 months; This introductory APR applies only to new loans approved on or after 6/1/26 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.00% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Interest Only Home Equity Line of Credit	-	-	4.99%
Details Intro rate expires: 6 months; This introductory APR applies only to new loans approved on or after 6/1/26 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.25% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 180 Months	-	-	6.30%	180 Months
Details As Low As*; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 120 Months	-	-	6.50%	120 Months
Details As Low As*; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 60 Months	-	-	6.70%	60 Months
Details As Low As*; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.00% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Interest Only Home Equity Line of Credit	-	-	7.25%
Details As Low As; Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Rates vary between 7.25% APR and 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 7.25% APR for 120 months equals $293.50 per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)	-	-	7.50%
Details As Low As; Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.00% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Interest Only Home Equity Line of Credit	-	-	7.75%
Details Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Rates vary between 7.25% APR and 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 7.25% APR for 120 months equals $293.50 per month. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Visa U Boost	-	-	18.00%
Details Variable APR* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	2.99%	36 months
Details Limited-time offer. Rate requires autopay from a United checking account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans	-	-	2.99%	Up to 36 Months
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans	-	-	3.75%	Up to 48 Months
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans	-	-	4.00%	Up to 60 Months
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans	-	-	4.50%	Up to 72 Months
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans	-	-	5.00%	Up to 84 Months
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Home Equity Visa U Boost	-	18.00%
Details Variable APR* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Personal Loan Rates

Product	Rate	APR
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	4.50%
Details As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	4.75%
Details Vehicle Model Years: All Years**; APRs shown include a 0.50% rate discount for 80% LTV and a 0.25% rate discount for automatic payment from a United checking account. A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	4.85%
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.00%
Details Vehicle Model Years: All Years**; APRs shown include a 0.50% rate discount for 80% LTV and a 0.25% rate discount for automatic payment from a United checking account. A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.10%
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.25%
Details As Low As; Vehicle Model Years: All Years; Rate includes 0.50% discount for 80% LTV and 0.25% discount for automatic payment. Premium of 0.25% added for model years 2017-2021. Premium of 0.75% added for model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.50%
Details Vehicle Model Years: 2020 or Newer**; APRs shown include a 0.50% rate discount for 80% LTV and a 0.25% rate discount for automatic payment from a United checking account. A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.60%
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.75%
Details As Low As; Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.00%
Details Vehicle Model Years: 2022 or Newer; APRs shown include a 0.50% rate discount for 80% LTV and a 0.25% rate discount for automatic payment from a United checking account. A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.10%
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.25%
Details Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.75% premium will be added to model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.50%
Details As Low As; Vehicle Model Years: 2022 or Newer; Rate includes 0.50% discount for 80% LTV and 0.25% discount for automatic payment. Premium of 0.25% added for model years 2017-2021. Premium of 0.75% added for model years 2016 and older. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.75%
Details As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Federal Credit Union

Website https://www.unitedfcu.com

Address 150 Hilltop Rd, Saint Joseph, MI 49085 2381

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry ORourke

Full-Time Employees 684

Part-Time Employees 8

Branch Locations 45

ATM Locations 43

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.13%

Return on Assets (ROA)

0.9659%

Return on Equity (ROE)

8.2204%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

4,254,536,491

Total Amount of Shares and Deposits

3,487,586,515

Total Shares and Deposits < 1 Year

3,406,231,574

Total Shares and Deposits 1 3 Years

73,630,852

Total Shares and Deposits > 3 Years

7,724,089

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

645,808,858

Total Uninsured Shares and Deposits > $250K (F+J)

645,808,858

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,841,777,657

Total Interest Expense (Sum of items 6 8)

56,829,517

Share Certificates

22,047

Number of Accounts for Share Drafts

158,230

IRA KEOGH Accounts

4,091

Number of Accounts for Regular Shares

224,093

Money Market Shares

23,806

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

193,586,421

Total Liabilities

3,804,735,805

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About United Federal Credit Union

How many branches does United Federal Credit Union operate?

United Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Federal Credit Union?

Yes, to access services at United Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Federal Credit Union offer online and mobile banking?

Most modern institutions like United Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.unitedfcu.com.