Credit Unions Sparks

United Federal Credit Union - Sparks

Credit Unions Sparks
Contact Us

Address
1430 E Prater Way
Place
Sparks, NV   89434 
Landline
(888) 982-1400
E-Mail
MemberService@unitedfcu.com
Twitter
@UnitedFCU
Facebook
unitedfcu
Website
unitedfcu.com

Description

United Federal Credit Union has served its Members since 1949 by helping them to build a sound financial future. United consists of more than 191, 000 Member/owners worldwide and manages assets in excess of $3.8 billion. Its corporate offices and main branch are in St. Joseph, Mich., with additional branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio. Federally insured by NCUA. Equal opportunity lender. Equal housing lender. NMLS #471962.

Keywords Credit Union, Banking, Investments, Mortgage Loans.

Reviews

This listing was not reviewed yet:

Opening hours

Drive thru is open 30 minutes after lobby Monday through Friday. Open Saturday 9:00 AM to 1:00 PM.

Products And Services

  • Elevate Money Market

    Elevate your savings and earn with an Elevate Money Market. Plus, save more with higher rates and still have access to your money.

    Link: Elevate Money Market

  • Share Certificates

    We have lots of terms available so you can find out what works best for you. Then, you can sit back and enjoy earning more. Choose from 3 months to 60 months.

    Link: Share Certificates

  • Achiever Savings

    Save for the big stuff. Whether it’s a new home or a big vacation, let’s make it happen. This account is about helping you budget for the things you’ve been dreaming about.

    Link: Achiever Savings

  • Coverdell Education Savings

    United can help you save for your child’s elementary, high school or college education. The best part is we’ll save you some money along the way.

    Link: Coverdell Education Savings

  • HSA

    Life has its surprises but with an HSA from United, paying for qualified medical expenses won't be one of them. If your insurance policy is a High Deductible Health Plan (HDHP), it can hurt your wallet too. Our Health Savings Account (HSA) is an easy way to save for medical expenses and health care costs like doctor visits, prescriptions, dental care, and more.

    Link: HSA

  • Holiday Club Savings

    Imagine a holiday season without the stress of bills. Nice, right? Set aside money and save throughout the year. With regular deposits, you’ll watch your savings grow and take comfort in knowing you’re fully prepared for holiday shopping.

    Link: Holiday Club Savings

  • Individual Retirement Account (IRA)

    Start saving for retirement. Get the best account for how and when you want to retire. We have lots of options and IRA (Individual Retirements Accounts) benefits that will help you save for the future.

    Link: Individual Retirement Account (IRA)

  • Membership Savings Account

    Get started saving with United today! Open an account with as little as $5.

    Link: Membership Savings Account

  • Youth Savings

    The piggy bank that gives back. Have a little Member under 21 that you want to help start saving for the future? With you as their joint account owner and only $5, you can start your young Member off on the right foot now.

    Link: Youth Savings

  • Bump Up Certificate

    Give your money a boost. No need to feel like the grass is greener on the other side. This great investment allows you to take advantage of increasing certificate rates before your current term is over.

    Link: Bump Up Certificate

  • Ladder Certificate

    Set up your money with a plan that gives back every year. Let’s set you up with a plan that meets in the middle between staying true to your financial goals and still giving you that high-yield, long term offer.

    Link: Ladder Certificate

  • Liquid Share Certificate

    Access your money when you need it. It's your money, so let's keep it liquid. We’ve created this unique certificate for you to enjoy greater savings with a one-year commitment, all while keeping your money accessible to you.

    Link: Liquid Share Certificate

  • Young Investor Certificate

    Learn to save early. A certificate for young investors under the age of 18 who will learn the value of saving while watching their money grow.

    Link: Young Investor Certificate

  • Checking Accounts

    We offer two fantastic checking accounts - one that earns you rewards and one that earns you high interest. Compare the two and see which works best for you!

    Link: Checking Accounts

  • Courtesy Pay

    Courtesy Pay is a service that allows us to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. This may include checks (share drafts), ACH, in-person withdrawals, ATM withdrawals, debit card and Bill Pay transactions.

    Link: Courtesy Pay

  • U Boost Visa Credit Card

    Need something to help your credit score? Small and manageable card limits, low to no fees, and easy eligibility makes U Boost Visa® intended just for that.

    Link: U Boost Visa Credit Card

  • U First Visa Credit Card

    Apply for the card that put U first today and you can get 0% APR for the first 6 months on purchases and balance transfers.

    Link: U First Visa Credit Card

  • U Rewards Visa Credit Card

    Reward yourself by earning up to 2% Cash Rewards with everyday purchases. Celebrate by opening a card today and getting $100 cash rewards 1 and 0% APR 2 for 12 months.

    Link: U Rewards Visa Credit Card

  • Personal Loan

    Signature Loan Whether it’s for a major expense or to consolidate debt, a Signature Loan from United can help. Competitive fixed rates, terms and monthly payments -No application fee or prepayment penalty -Receive your funds upfront in one lump sum -Rate discount for Members with an Ultra Checking Account[1] Savings Secured Loan Use your shares at United to secure a short-term loan. -Our lowest fixed-rate personal loan available -Flexible repayment options -No application fee or prepayment penalty -Rate discount for Members with an Ultra Checking Account[1] Term Loan This short-term option lets you access cash with one payment due at maturity. Bridge the gap between your current need and future income. -Secured or unsecured options -Competitive fixed rate -No application fee or prepayment penalty -Rate discount for Members with an Ultra Checking Account[1] ----------- [1] Rate discount requires an open Ultra Checking Account with a positive balance.

    Link: Personal Loan

  • Personal Line of Credit

    Get the funds you need while protecting yourself against checking overdrafts[1,2,3] A personal line of credit from United functions like a credit card, making funds available again as you pay down your balance, up to a limit.[1] So you can manage your balance on your terms, with no hassles. Personal Line of Credit benefits: -Pre-approved credit limit -Helps protect against checking overdrafts and can reduce overdraft fees[1,2,3] -Consolidate debts to avoid paying higher interest rates -Debt Protection coverage available at low cost[4] -No annual fee --------- [1] A Personal Line of Credit must be linked to a United Federal Credit Union checking account. [2] A Line of Credit Transfer Fee will be charged when funds are transferred by United, whether by a teller or automated transfer, to your linked checking account to cover an overdraft. A fee is not charged when you initiate a transfer to your linked checking account. Refer to the Consumer Fee Schedule for fee amounts. [3] In certain situations, you may still incur a Courtesy Pay Fee or NSF Fee. For example, if your credit limit has been exhausted on your Line of Credit, a transaction may cause a Courtesy Pay Fee or NSF Fee to be charged. Additionally, if you have available credit on your Line of Credit but the available funds are not sufficient to cover the transaction, you may be charged both a Line of Credit Transfer Fee and a Courtesy Pay Fee in order to cover the transaction; if you do not have Courtesy Pay, the transaction will be returned and you would be charged a NSF Fee. Refer to the Consumer Fee Schedule for fee amounts. [4] Debt Protection products are available independently of credit, are not a condition of credit, are provided by a third party partner and not insured by NCUA. You will receive additional information before you are required to pay for Debt Protection, which will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection. See the contract for a full explanation of the terms and conditions of the program.

    Link: Personal Line of Credit

  • Home Equity Loan and Lines of Credit

    The difference is in the details—know the differences between home equity loans. Home equity is the difference between your home’s market value and the amount that you owe on your mortgage. You can borrow against your home’s equity to fund large projects or major expenses. A home equity installment loan and a home equity line of credit (HELOC) are both great ways to borrow funds for home improvement or remodeling projects, or to help pay for college tuition, debt consolidation, medical expenses, and other large expenses. Here’s how they work. Home Equity -Installment Loan With a home equity installment loan, you receive your funds in a single lump sum. This type of loan is ideal if you have a large, one-time expense, or if you want to consolidate debt and focus on paying it off. It offers fixed rates and a steady monthly repayment schedule for up to 15 years. Since the loan is secured by your home’s equity, the interest you pay may be tax deductible. Home Equity - Line of Credit A home equity line of credit lets you borrow funds when you need them, up to your available credit line. With this revolving line of credit, you can borrow, repay, and borrow again. Much like a credit card, the credit amount becomes available again as the outstanding balance is repaid. This can be useful if you’re planning a major project with multiple expenses or if you want ongoing access to funds for emergencies. HELOCs feature flexible repayment options.

    Link: Home Equity Loan and Lines of Credit

  • Education Loan

    We provide clear guidance and flexible funding. When federal loans or other forms of aid aren’t enough to cover all your undergraduate school costs, that’s where an education loan from United comes in. We offer low-interest rates, no origination fees and straightforward terms, so all you need to do is concentrate on learning. Variable Rate Solution Interest rates and monthly payments rise and fall according to the Prime index. The variable rate option does allow for a longer repayment period than a fixed rate option, which could result in a lower monthly payment. Fixed Rate Solution Your interest rate and monthly payment will remain the same for the life of your loan. The fixed rate option offers a shorter repayment period than a variable rate option, which could result in a higher monthly payment. Student Loan Refinance Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate. Multi-Year Approval Borrow once for your entire college career. With the unique structure of our education line of credit, you will not need to reapply each year. Instead, you will simply request additional funds (called a "draw") for the amount you wish to have disbursed to your school each year.

    Link: Education Loan

  • Boat RV and Other Vehicle Loan

    Escape the everyday—break free from the ordinary with these financing options. There is no better time to explore whether it is in your dream boat, trailer, RV, motorcycle, snowmobile, or ATV. With our low-cost financing, you can get out and explore. Let United help you escape to the great outdoors! Select what type of fun you want to finance and we'll show you what type of loan you should apply for.

    Link: Boat RV and Other Vehicle Loan

  • Auto Loan

    Just Drive—easy, speedy auto loans With no application or processing fees, we help you focus on what’s important - enjoying the ride in your vehicle. Whether you’re buying for the first time or refinancing the car you have, we can help. Our low rates save you interest, with no processing fees. Get pre-qualified today so you’re ready to buy the car you want. We make car buying easy United gives you the ultimate price transparency. See what others paid and get guaranteed savings with United’s Car Buying Service. We provide all of the great service and security of the big banks and dealerships, plus more. -Competitive rates -Flexible repayment terms up to 84 months[1] -Borrow up to 115% of the vehicle's value -Easy to apply -Discount with an Ultra Checking account[1] -Eligible for Skip-a-Pay -No application fees or prepayment penalties -Helpful assistance online and in branch -Guaranteed Asset Protection Insurance -Mechanical Breakdown Protection -Debt Protection[2] Save money on gas and drive greener Do your part to help the environment, and save money at the same time. Purchase a qualifying hybrid or electric vehicle and we'll give you 0.25% off the interest rate[5]. We're here for you—multiple Payment Options We’ve been in your shoes and prefer the convenient and easy part of life. That’s why we have multiple ways to make a secure loan payment, including QuickPay®. Need a break from your monthly loan payments? We’ve got you covered with our Skip-a-Pay program. --------------- APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval. A premium of 0.00%-1.00% applies to loans with 100% Loan to Value (LTV) or higher, varying by credit score and Loan to Value (LTV). [3] Advertised APR for well-qualified borrowers with 36-month term, ≤ 80% loan to value (LTV), and a 0.10% APR discount for maintaining an Ultra Checking account with a positive balance. Available APR is 3.35% APR to 18.00% APR depending on creditworthiness, age of vehicle financed, length of loan, and discounts. Rate not available in all states. Other rates and terms are available. Payment example, $20,000 financed for 60 months at 6.75% APR equals a monthly payment of $393.74. Rates accurate as of 8/1/2022 and are subject to change without notice. No service or processing fees apply. Financing up to 115% of the retail value of the vehicle is available. Up to 84 months financing available. Certain restrictions apply. [4] Debt Protection products are available independently of credit, are not a condition of credit, are provided by a third party partner and not insured by NCUA. You will receive additional information before you are required to pay for Debt Protection, which will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection. See the contract for a full explanation of the terms and conditions of the program. First payment must be made within 90 days to be eligible for GAP coverage. [5] 0.25% discount applicable on hybrid and electric vehicles only.

    Link: Auto Loan

  • Mortgage Loan Options

    No matter your property plans, we have a loan option available for you with 100% financing and no PMI.[1] Don't hesitate! Find a Mortgage Advisor in your area to get started now. What properties we cover -Single Family -Planned Unit Developments (PUDs) -2-4 Unit Multi-Family Dwellings -Condominiums -Modular Homes -Manufactured Homes -Proposed Construction -Townhomes -Vacant Land / Lots ---------- [1] Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions, available on new mortgage applications. Payment example, $250,000 financed for 360 months at a fixed rate of 4.827% APR equals a monthly payment of $1,304.12. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Certain restrictions apply. [2] Excludes Alaska, Hawaii, and Texas. [3] Excludes locations that are specified as Commercial Loan Offices. [4] Payment example, $258,750 retail value of property with 3.5% down amounts to financing $250,000 financed for 360 months at an adjustable rate of 4.827% APR equals a monthly payment of $1,304.12. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rate may be increased after consummation. [5] 20% down is for well-qualified borrowers. [6] Payment example, $250,000 financed for 15 year term / 30 amortization schedule balloon at 4.827% equals a monthly payment of $1315.75 for 15 years. If only the minimum monthly payment is made, at the end of the 15 year term, a minimum $168,294.70 balloon payment is due.

  • Refinance Loan Options

    Ready...set...refi! With a refi from United you can focus on your home while we focus on the loan. Refi with United at 100% financing and no PMI.[1] Don't hesitate! Find a Mortgage Advisor in your area to get started now. Why refi Simply put, a refi will give you a chance to replace your current mortgage with a new one based on the current market and your current finances. With today’s low market rates, now could be a good time to consider a refi. The best time to refi may be when -Interest rates are at least 1% lower than your current mortgage -Your credit profile has improved -You need funds to deal with a financial emergency, finance a large purchase, or consolidate debt -You plan to stay living in your current home long enough to recoup the costs of refinancing Refinancing can potentially -Lower your monthly mortgage payment -Pay off your mortgage faster with a shorter term -Allow you to switch from an adjustable-rate to a fixed-rate, or vice-versa -Obtain a lower interest rate -Provide cash for paying debt and home improvements -Get rid of PMI if you have more than 20% equity in your home -Obtain 100% financing with no PMI What properties we cover -Single Family -Planned Unit Developments (PUDs) -2-4 Unit Multi-Family Dwellings -Condominiums -Modular Homes -Manufactured Homes -Proposed Construction -Townhomes -Vacant Land / Lots Refi loan options -Conventional loan -0% Down[4] No PMI Loan -0% Down Loan[4] -HomeReady® Loan -Medical Professionals Loan -Lot Loan -Investment Property Balloon Loan -Jumbo Loan -FHA -Rural Development -VA ---------- [1] Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions, available on new mortgage applications. Payment example, $250,000 financed for 360 months at a fixed rate of 4.827% APR equals a monthly payment of $1,304.12. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Certain restrictions apply. [2] Excludes Alaska, Hawaii, and Texas. [3] Excludes locations that are specified as Commercial Loan Offices. [4] Payment example, $258,750 retail value of property with 3.5% down amounts to financing $250,000 financed for 360 months at an adjustable rate of 4.827% APR equals a monthly payment of $1,304.12. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rate may be increased after consummation. [5] 20% down is for well-qualified borrowers. [6] Payment example, $250,000 financed for 15 year term / 30 amortization schedule balloon at 4.827% equals a monthly payment of $1315.75 for 15 years. If only the minimum monthly payment is made, at the end of the 15 year term, a minimum $168,294.70 balloon payment is due.

    Link: Refinance Loan Options

  • 3 ways to save

    Kick off the new year with our Certificate Specials, or earn more on your money with our Elevate Money Market and Ultra Checking accounts! Share Certificates | Elevate Money Market | Ultra Checking

    Link: 3 ways to save

Categories

Credit Unions
(888)982-1400 (888)-982-1400 +18889821400

Map 1430 E Prater Way

Loading map...