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 - Dividend earning accounts often referred to as savings accounts.
Special Share Accounts - Dividend earning accounts often referred to as special savings accounts.
Christmas Shares - Dividend earning accounts that are paid into on a regular basis and are distributed by transfer or check in time for holiday shopping.
Summer Pay Shares - Dividend earning 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 - Dividend earning term accounts comparable to Certificates of Deposit (CD).
Share Draft Accounts - Non-dividend earning account that works like a checking account.
Children’s Club (Club Ed) - Dividend earning 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
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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. https://universal.ns3web.org/
Mobile Banking* (web-enabled phone banking) - View balances, make transfers and pay loans from any web-enabled mobile phone. To access mobile banking from your web-enabled phone, input and bookmark this address in your phone’s browser: https://universal.ns3web.org/
*Watch in the coming months for our App!
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