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How to Join

At United Credit Union, our members are our owners, and your ownership is secured by your initial deposit and maintenance of $1.00 in your share (savings) account. There is no fee to join the credit union. 

Your share puts you on equal footing with all other credit union members, regardless of how much money you have on deposit. Each member/owner receives one vote during elections at the annual membership meeting, and you may also serve your credit union as a volunteer on the board of directors or supervisory committee. 

Come into one of our offices and visit with a Member Service Representative.  In order to open an account, you must:

  • Work or reside in the following counties: Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, and Shelby
  • Meet membership eligibility and bring a picture ID.

  • Have your Social Security Number available.

  • Provide proof of address.

  • Bring a minimum of $1 (cash or check), to deposit into your share (savings) account.

That’s it! You’re a member of United Credit Union. Now, you can begin using all of our banking services.

Stop by to start your member application today!


Equal Housing Lender National Credit Union Administration