Can I view any of my account information from this Web site?
YES! You can view your account information, make transfers and loan payments, take line of credit advances, verify check clearings and direct deposits, monitor ATM clearings, etc. right on our Web site. You will need to sign up for Touch Tone Teller service in order to access Internet Banking. All transactions on both services are live, meaning they post to your account immediately, and you may transfer between different account numbers upon signing a Cross Account Transfer Form.
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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
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Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group. Anyone living or working in Manitowoc, Sheboygan, Kewaunee or Door Counties may join UnitedOne Credit Union.
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What’s a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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Are savings deposits insured?
Yes. All savings accounts are insured up to at least $100,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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Can I join UnitedOne Credit Union through this Web site?
For security and recordkeeping purposes, we are not offering online membership applications at this time. Please call or visit us at any of our offices to start your membership, or e-mail us at mail@UnitedOne.org.
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What kind of job opportunities exist at the credit union?
Our staff is made up of a wide variety of positions, from entry level to senior management, in the following areas: member/customer service (Tellers, Member Service Representatives, Receptionists), lending, collections, accounting/bookkeeping, human resources, marketing, and data processing. If you're interested in learning about opportunities available today, please link over to our JOB BOARD found in the About Us section on our Home Page, or use the SEARCH function from our Home Page and use the work "job" for your search. You can always feel free to contact us about any position you're interested in at any time. Contact our Human Resources Director, Melissa Cain, at 684-0361, or e-mail her at mcain@UnitedOne.org.
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