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Unite

403 Washington St., Cedar Falls, IA 50613
NCUA Insured4.7 (15 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

403 Washington St.

Cedar Falls, IA 50613

Google Maps🗺Waze
(319) 273-2479

Service Area

This credit union is located in Cedar Falls and serves members in the IA area. Currently serving 1,575 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.12%

Used Auto Loan

7.01%

Personal Loan

11.62%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%
Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%
Financial Plus— Personal Loan

West Des Moines, IA

7.91%
Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.7

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Shelly Hill

Shelly Hill

a year ago

The staff are great to work with. They appreciate their long-time members. Because I have been a member for a long time, I was able to get a great interest rate on my last car loan!

Diane Headington

Diane Headington

a year ago

UNITE Credit Union has been our "bank" of choice for the last 50 plus years. Wonderful staff willing to help with any questions or issues we might have!! We're so thankful to have them always there for us. Diane & Jerry Headington

Jennifer Melohn

Jennifer Melohn

2 years ago

I have been with UNITE for many years and do all my auto loans through them. I stay with them because your not a number but they remember who you are and make you feel like family. I know my money is safe and if they see something out of norm they contact me right away. I've found that the interest rates on loans are lower than others. I could ask for a better bank.

Cathy Ketton

Cathy Ketton

2 years ago

UNITE Credit Union is a great place to bank. Great customer service, fast and efficient service. Been a member for over 30 years and encouraged family members to join as well. Thanks UNITE Credit Union for always meeting my financial needs.

Jeanne Little

Jeanne Little

2 years ago

I have been a member for over 30 years and the great service has never changed. Friendly staff and the comfort in knowing my money is safe is a winning combination!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).