As a member/owner you share in your credit union's earnings, which are returned to you in the form of high yield investment accounts, low or no-cost services and a full range of loan products designed to reduce your borrowing expenses. We offer no-fee and interest earning checking, no annual fee VISA credit cards, low rate consumer loans and a full range of mortgage products, including home equity loans. Free financial and tax planning along with budget counseling are also available to members of United Federal Credit Union. Every member benefits from the credit union's earnings, no matter what the size of their accounts.