Why should I join a credit union, rather than a bank?
Are funds deposited at Unified People's Federal Credit Union insured?
Who can join Unified People's Federal Credit Union?
What documents do I need to open an account at Unified People's Federal Credit Union?
How can I access my account when the credit union is not open?
If I have a savings account, can I get an ATM card?
When will I be able to pick up my Western Union/Wire Transfer?
Can I use On-Line Banking to transfer money to another UPFCU account?
Why does my checking account show different amounts for balance and availability?
When I transfer money into my checking account, is it available immediately?
Why did my due date change on my loan? I always pay it on the 15th when I get paid.
Why do I have to keep $5.00 in the S100?
I put in a change of address at the post office, why do I have to do one here?

Why should I join a credit union, rather than a bank?
Credit Unions are cooperative, not-for-profit, financial institutions that are owned by the people who use its services. These people, the Credit Union Members, all have something in common, such as where they work or live. Unlike a bank with a paid board of directors, Unified People's Federal Credit Union is governed by volunteers who are elected by their fellow Members.

A bank is owned by and returns profits to its stockholders. The Member-Owners of Unified People's Federal Credit Union realize their profits through higher yields on their savings and investments, fewer and lower fees and better rates on loans.

Perhaps the biggest difference between Unified People's Federal Credit Union and a bank is who motivates them. At a bank, the owners are stockholders, and may not even be local. At Unified People's Federal Credit Union, we are owned by our Members, and the level of service they receive reflects their ownership status.

Are funds deposited at Unified People's Federal Credit Union insured?
Funds deposited at Unified People's Federal Credit Union are insured by a U.S. Government agency, the National Credit Union Administration (NCUA), for at least $250,000. Certain retirement accounts may be insured up to $250,000.
This coverage is backed by the “full faith and credit of the United States government.”

Who can join Unified People's Federal Credit Union?
There are several easy ways to become a Member of Unified People's Federal Credit Union. You or a family member can work or worship at one of the organizations listed on the Membership Eligibility page. Or, with a $10.00 donation, you can become a Friend of the Cheyenne Animal Shelter. For your convenience, you can join Friends of the Cheyenne Animal Shelter when you come in to open your account.

What documents do I need to open an account at Unified People's Federal Credit Union?
When you come in to open an account at UPFCU, you need to bring a valid, government-issued ID (such as a driver’s license) and your social security card. These identification requirements are mandated by the USA Patriot act.

How can I access my account when the credit union is not open?
When the credit union is not open, you can access your account through ATMs, the Telephone Teller and On-Line Banking. You can sign-in to On-Line Banking, from the Home Page of this website.

If I have a savings account, can I get an ATM card?
You may apply for an ATM card when you open a share draft (checking) account.

When will I be able to pick up my Western Union/Wire Transfer?
The national system for these transactions is updated on the even hours (10am, noon, etc.). After the system is updated, transactions are usually processed quickly by either Western Union or the receiving financial institution.

Can I use On-Line Banking to transfer money to another UPFCU account?
Yes.

Why does my checking account show different amounts for balance and availability?

As soon as you use your debit card the amount of the transaction is held and this reduces your availability. The balance will not be reduced until the debit charge is actually posted.

When I transfer money into my checking account, is it available immediately?

Funds deposited into your account are available immediately so long as no hold is placed on your deposit, for example, share branching deposits that are not marked as payroll checks or a check deposit here when you are given notice of the hold.

Why did my due date change on my loan? I always pay it on the 15th when I get paid.

To remain in compliance with federal regulations, due dates on all revolving and open-end loans were changed to the last day of the month. To avoid a late fee, you may pay your loan any day before the last day of the month. You may pay your loan on any day of the month that you desire.

Why do I have to keep $5.00 in the S100?

$5.00 is the Minimum Opening Amount for these accounts. The initial $5.00 deposit gives the Member full voting rights and ownership in UPFCU, and must remain on deposit for the duration of membership

I put in a change of address at the post office, why do I have to do one here?

As a security measure, mail from the credit union will not be forwarded by the Post Office. Therefore, in order to keep receiving your statements and other mail from the credit union, we must have your correct address. Also the change of address at the post office is not of unlimited duration (6 months) so this is not a permanent solution.