Banking built for
stability.
Unitus Credit Union operates on a cooperative model where surplus earnings are returned to members through higher dividend yields and lower loan rates. We prioritize tangible financial mechanics over corporate growth.
High-Liquidity
Checking.
Unlike commercial institutions, our checking structures are designed to eliminate hidden maintenance fees. Every member at Unitus Community Credit Union enjoys integrated digital tools and direct access to local branch support for real-time transaction needs.
- 01. No monthly service fees on standard member accounts.
- 02. Over 30,000 surcharge-free ATMs nationwide via our cooperative network.
- 03. Early direct deposit access for verified payroll cycles.
The Unitus Dividend Advantage
Updated MonthlyBecause we are a non-profit cooperative, our "interest" is paid as dividends. These are calculated daily and paid monthly into your account, often exceeding the standard rates found at regional commercial banks.
Mortgages &
Personal Capital.
Our credit officers evaluate your full financial picture—including community ties and local employment history—rather than relying solely on automated algorithms. This human-first approach ensures more equitable access to capital.
Home Equity
Leverage your primary asset for significant life events without predatory balloon payments or hidden closing costs.
Request DetailsAuto Loans
Competitive fixed rates for new and pre-owned vehicles with flexible terms ranging from 24 to 84 months.
View EligibilityPersonal Credit
Unsecured personal lines of credit designed for debt consolidation or short-term liquidity needs with no hidden fees.
Apply Now
Business Foundations.
Sustainable scaling for local New York entrepreneurs requires precise cash flow management. Our business accounts provide the specialized capital requirements and payroll tools necessary for small-scale operations to flourish.
Commercial Checking
Tailored for high transaction volume with integrated ACH and wire transfer capabilities.
Merchant Services
Secure payment processing solutions with competitive rates for small businesses.
Choose Your Path
A direct comparison of our primary membership tiers.
| Feature | Standard Membership | Prime Plus Tier |
|---|---|---|
| Min. Opening Deposit | $5.00 | $2,500.00 |
| Maintenance Fee | $0.00 | $0.00 |
| Dividend Rate | Baseline | Premium Tiered |
| Online Banking Login | Included | Included + Priority Support |
| ATM Access | Universal Network | Universal + Unlimited Reimbursement |
The Distinction of Membership.
At Unitus Credit Union, you are not just a customer; you are a shareholder. Every individual who holds an account has a voice in our governance. This institutional model ensures that our service updates and product developments reflect actual member feedback rather than board-room profit targets.
"When we earn a surplus, it goes back to you through lower loan interest and better savings yields. That is the fundamental math of a credit union."
Secure Your Financial Future.
Join thousands of members who prioritize local community impact and institutional stability. Review your options with a financial counselor today.