Products and Services

At Universal Federal Credit Union we strive to provide you with industry leading products and services. Our goal is to be your financial institution of choice! Listed below is a brief description of the products and services that we offer our members.

Share Services

Regular Share Accounts - Interest bearing accounts often referred to as savings accounts.

Special Share Accounts - Interest bearing accounts often referred to as special savings accounts.

Christmas Shares - Interest bearing accounts that are paid into on a regular basis and are distributed by transfer or check in time for holiday shopping.

Summer Pay Shares - Interest bearing accounts that are paid into on a regular basis by 10-month employees of a BOE.  Transfers to the share or share draft account are then made four times over the summer months.

Individual Retirement Accounts (IRA) - We offer and administrate Traditional and Roth IRA's.

Term Share Certificates - Interest bearing term accounts comparable to Certificates of Deposit (CD).

Share Draft Accounts - Non-interest bearing account that works like a checking account.

Children’s Club (Club Ed) - Interest bearing share account that comes with special perks for our younger members.

Loan Services

Signature Loans

New and Used Vehicle Loans - Auto, Boat, Motorcycle, RV, Camper

Mortgage Loans* - First and Second Mortgages, Fixed Rate and Balloons

Bill Consolidation Loans

Products

Overdraft Clearing Courtesy - optional overdraft clearing protection that will cover overdrafts of up to a total of $200.

Visa Debit Card - Use our Visa debit card at any merchant that accepts Visa and the purchase comes directly out of your checking account.

CU Online (internet banking) - View balances, make transfers and pay loans from any computer.

Mobile Banking (web-enabled phone banking) - View balances, make transfers and pay loans from any we-enabled mobile phone. To access mobile banking from your web-enabled phone, Click here.

24-hour Telephone Teller - Hear balances, make transfers and pay loans from any traditional land-line phone at 800-208-0131.

Bill Pay - Pay your bills electronically to any company or any individual. You must be an active user of CU Online (home banking) to utilize this service. Once logged into CU Online, click on the Bill Pay link to enroll and use this fantastic product!

Direct Deposit - No matter where you work, chances are your employer offers direct deposit! Take the hassle of having to make it to the credit union with a pay check on pay day, have your pay sent directly to us.

Money Orders

*NMLS MLO Identifying Numbers: Mortgage Loan Originator Linda Reynolds #397009, Mortgage Loan Originator Val Johnson #422216. Universal Federal Credit Union Identifier: #402900

Provided to the consumer in compliance with the SAFE Act.