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?
Money was just deposited into my account – why doesn’t my Debit Card work?
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 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 $100,000. 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.

Money was just deposited into my account – why doesn’t my Debit Card work?
Unified People's Federal Credit Union updates deposits online twice a day, in the morning and the afternoon. Therefore, there may be some lag time between when a deposit is made and when it is recognized by the national network.

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.