When We Say Free, We Really Mean It


Free Checking Everywhere

Our free checking account lets you manage your day-to-day finances with no monthly fees, no minimum balances, and no worries.

Access Your Funds on Your Timeline

Our checking account is more than just 24-7 free access. Apply today and get an instant-issue VISA® Debit card. Enjoy payday up to two days early with direct deposit. No waiting, no hassle.

Every UFCU account comes with enhanced security technology, and advanced data encryption to ensure the safety of every account and every transaction.

Apply Now

You Can Bank on Service

A credit union is so much more than a bank — it’s a not-for-profit financial cooperative, owned and directed by its Members. As a social-conscious cooperative, UFCU makes its mission to serve you and the communities we serve.

See how you qualify to become a Member


† Limits subject to change.

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Get more for your money
UFCU Plus Checking
0.01% APY interest for $1,000+

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