How do I join UNFCU?
Joining United Neighborhood is easy. Simply stop in at one of our 2 convenient branch locations to complete an application. Join by opening a savings account with an initial deposit of $25 and pay a one-time membership fee of $5.The $25 represents your share in United Neighborhood and is held on deposit while you are a member. Once your savings account is opened, you’ll have immediate access to other financial services that we offer.
Can my family members join the credit union?
Yes, any member of your immediate family can become members.
How do I add/remove a joint member to/from my account?
To add a member you will need to complete a new signature card which you and the joint member sign where indicated. To remove a joint member, the joint member must complete a form requesting removal from the account, or the account can be closed and a new account established.
How do I change my address or other contract information with UNFCU?
To notify us a change in mailing address, telephone number and/or email address, you can stop in at any one of our convenient branch locations. Click here to access the Change of Address Form.
How do I change my payroll deduction?
Payroll deduction is an agreement between you and your employer. Payroll deduction change forms are available at any of our branches. Completed forms should be returned to the credit union for processing. When changing deductions, remember to indicate the total amount you want deducted from your check and forwarded to your credit union account. Click here to access the Payroll Deduction Form.
How do I set up direct deposit?
Our Member Service Representatives have all the necessary forms. If you wish, they will be happy to fill them in for you. All you have to do is tell them how you want your money distributed and sign your name. We take care of the rest. Click here to access the Direct Deposit Form.
If I use direct deposit, how will I be able to keep track of my money?
Your check stub from your paycheck is your permanent record. Also with online banking or United Neighborhood Voice Response, you can check your balance at any time.
Is there a charge for direct deposit?
This service is free to all of UNFCU members.
How do I apply for a loan?
All borrowers need to complete a loan application. A loan application can be obtained through your on-site representative, or you can call us at (706) 823-6378 and we will be happy to mail one to you.
How long do I have to be a member before I can apply for a loan?
You may apply for a loan as soon as you become a member. There are no membership time requirements for loan qualifying.
What does the credit union look for when determining loan approval?
At UNFCU, we look at more than just your credit score. There are a variety of determining factors, such as employment history, amount of total debt, credit score, purpose of the loan and your relationship with the credit union that determine loan approval.