Unite Credit Union Cedar Falls IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Unite Credit Union, where we believe in building strong financial futures for our members right here in Cedar Falls, Iowa. Established in 1955, our commitment to serving our community has never wavered. With a dedicated membership of 1,605 and total assets of $21,109,293, we are proud to be a trusted partner in your financial journey. Located at 802 W 29th St, Cedar Falls, IA 50613, our branch is more than just a place for transactions; it's a hub for fostering relationships and supporting local families and businesses. While members can visit us at this address, official correspondence should be sent to the same location. At Unite Credit Union, we understand that financial decisions can be overwhelming. That's why our team, led by CEO Melissa Beall and Board President Paul Kinghorn, is here to offer personalized services tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our experienced staff is ready to assist you every step of the way. Our robust financial health is reflected in our total deposits of $1,078,593 and a net worth of $2,821,862, ensuring that we are well-equipped to support your goals. Plus, with over 537 loans currently in service, we take pride in empowering our members with the resources they need. We also recognize the importance of convenience in today's busy world. That's why we offer online and mobile banking options alongside traditional banking services like ATMs and drive-thru access making it easier for you to manage your finances anytime, anywhere. Join us at Unite Credit Union and experience the difference that comes from being part of a cooperative that puts its members first. Feel free to call us at (319) 273-2479 or visit our website at unite-cu.org for more information on how we can help you achieve your financial dreams. We look forward to welcoming you into our community!

Branch History & Mission

Commitment to Community

We are committed not only to financial growth but also to the well-being of our community. Unite Credit Union actively participates in various outreach efforts and partnerships that support local initiatives. By investing in our community's future, we strengthen the bonds among us. Our dedicated team operates from Monday to Friday with lobby hours from 8:30 AM to 5:00 PM (9:30 AM on Wednesdays), ensuring that we are here when you need us most. Additionally, we offer drive-thru banking for quick transactions and convenience.

Join Us

As we look forward to the future, we invite you to become part of the Unite Credit Union family. Experience firsthand how we combine financial expertise with a genuine commitment to serving our members. Whether you're looking for personal banking solutions or business services, we're here to help you achieve your goals. Call us today at 319-273-2479 or visit our website at Unite Credit Union to learn more about joining our credit union and taking advantage of all the benefits we offer! Together, let's build a brighter future for our community.

Our Mission

Our mission at Unite Credit Union is clear: we aim to provide outstanding financial services while fostering a sense of community. We believe in empowering our members through personalized banking solutions that include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. We strive to make banking accessible and convenient for everyone by offering online and mobile banking options along with ATM services available on-site. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 802 W 29th St, Cedar Falls, IA 50613.

Branch Location & Accessibility

Welcome to Unite Credit Union, your friendly financial partner located at 802 W 29Th St in the heart of Cedar Falls, Iowa. Our branch is perfectly situated to serve you and make banking convenient. You can easily reach us near popular local landmarks, ensuring that your banking needs are just a stone's throw away. While members can visit us at our physical address, official correspondence should be sent to the same location at 802 W 29th St, Cedar Falls, IA 50613. We take pride in providing accessible facilities for everyone. Our branch is equipped with ramps and other ADA-compliant features, making it easy for all members to visit us comfortably. Our operating hours are designed with your schedule in mind. We're open from 8:30 AM to 5:00 PM on Monday, Tuesday, Thursday, and Friday. On Wednesdays, we welcome you from 9:30 AM to 5:00 PM. Whether you need assistance with personal banking services like checking and savings accounts or vehicle financing options, our dedicated team is here to help. At Unite Credit Union, we also offer convenient drive-thru banking for simple transactions such as deposits and withdrawals. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it day or night! With a friendly staff ready to assist you and a variety of services tailored to meet your financial goals, we encourage you to visit us or give us a call at 319-273-2479. Let's work together towards your financial success!

Member Eligibility

Becoming a member of Unite is like joining a family that truly cares about your financial well-being. Located at 802 W 29Th St Cedar Falls Ia 50613, we welcome individuals who live, work, worship, or attend school in our community. If you share these connections with Cedar Falls, you're already eligible to join us! Plus, there are no complicated hoops to jump through just a simple application process that makes it easy for you to start enjoying the benefits of membership. As a member of Unite, you'll gain access to personalized banking services tailored just for you, from checking and savings accounts to loans and credit cards with rewards. To get started, we encourage you to check out our detailed eligibility criteria at http://www.unite-cu.org/join-now-form . If you have any questions or need assistance along the way, feel free to give us a call at (319) 273-2479. We're here to help you every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

In today's fast-paced market, having reliable merchant services can make all the difference. Our offerings help streamline payment processing, allowing you to focus on what matters most growing your business. With tools that simplify transactions and enhance customer experiences, you can build stronger connections with your clientele right here in Cedar Falls, IA. Let us partner with you on your business journey. Visit us at 802 W 29Th St Cedar Falls Ia 50613 or call us at (319) 273-2479 to learn more about how we can help your business thrive!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can be tailored to fit your specific needs.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, Unite provides robust business banking services including merchant services and business loans. We know that running a business requires financial support tailored to meet specific needs.

Convenient Access

In addition to our comprehensive services, we make banking convenient with ATM access and drive-thru services for simple transactions like deposits and withdrawals. No need to step inside if you're on the go just pull up and take care of what you need quickly! If you have any questions or would like more information about how we can assist you, don't hesitate to reach out! You can call us at (319) 273-2479 or visit our website at Unite Credit Union. We look forward to helping you navigate your financial journey today!

Credit Cards & Rewards

Don't forget about our credit cards with rewards! They're perfect for those who want to earn points on everyday purchases. Picture yourself planning that dream vacation just by using your card for routine expenses it's possible with us!

Loans for Every Need

Are you considering buying a new car? Our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. Or perhaps you're dreaming of owning a home? We offer competitive mortgage loans and refinancing options tailored just for you. If life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the support you need to regain control of your finances.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that fit your lifestyle. With easy access through online and mobile banking, managing your money has never been simpler. Imagine being able to check your balance or make a transfer right from your phone while waiting in line at the grocery store. Our services allow you the freedom to bank on your terms.

Digital & Online Banking

Key Features

Our online banking platform allows you to manage your accounts effortlessly. You can check balances, pay bills, and transfer funds with just a few clicks. Plus, with our electronic signature authorization, signing documents is quick and secure, eliminating the need for unnecessary trips to the branch. For those who prefer a paperless approach, we offer e-statements that give you quick access to your account statements while helping the environment. Staying organized has never been easier!

Mobile Banking Convenience

On the go? No problem! Our mobile application makes it simple to manage your finances from your smartphone or tablet. Whether you're making purchases using our mobile payments feature or sending money through person-to-person transfers, everything is at your fingertips. We prioritize your security while offering these features. Rest assured that your information is protected every step of the way. In summary, Unite strives to provide accessible and user-friendly digital banking solutions. Experience real-time account management that fits into your busy life. Join us today at https://unite-cu.org/ and discover how easy banking can be!

Financial Strength

Commitment to Growth and Innovation

With $1,734,367 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $119 in used auto loans and $7,641,051 in total loans and leases.

Growing Member Base

With 2,963 total share accounts, we showcase a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $10,868, further emphasizing our commitment to serve you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Unite is your trusted partner. Visit us at 802 W 29Th St Cedar Falls Ia 50613 or call (319) 273-2479 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Approach

Members' savings are secured through $3,258,813 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $84,938 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 4 full-time employees and 1 part-time employees who are always ready to assist you with their knowledge and commitment.

Solid Financial Position

With a net worth of $2,821,862, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,336 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,460,504 in used vehicle loans and $1,122,914 in new vehicle loans already helping members get on the road. We make it easy for you to drive away with a vehicle that suits your lifestyle and budget.

Credit Lines

For those looking for additional flexibility, we provide credit lines totaling $870,000. These lines allow you to access funds as needed while only paying interest on what you use. If you're interested in refinancing options or want to learn more about eligibility, please reach out! You can contact us at (319) 273-2479 or visit our branch located at 802 W 29Th St Cedar Falls Ia 50613 in Cedar Falls, IA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate through your financial journey with confidence and support every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,025,192, make buying or refinancing simple. We provide clear guidance throughout the process to ensure you find the best financing option for your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $216,618 in loans helping members manage their finances effectively. With competitive rates and no hidden fees, our credit cards are designed to give you more control over your spending.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is both accurate and up-to-date, allowing them to make informed decisions about their loans.

UNITE CREDIT UNION