Welcome to United Credit Union
On November 14, 2018, First Security Credit Union members voted overwhelmingly in favor of the merger with United Credit Union. The Board of Directors from both credit unions mutually agree that this partnership is a tremendous opportunity to create more value for our membership.
Merger Announcement Letter Mailed to First Security Credit Union Members on December 12
The merger will enhance the services, benefits and convenience of both credit unions and the communities we serve. Once both credit unions are integrated, First Security Credit Union members will receive the following benefits:
- 3 convenient branch locations
- Access to the Shared Branch Network with over 5,000 credit union branches nationwide that will be available to members for access to their credit union account(s)
- Access to 30,000 surcharge free ATMs nationwide
- Saturday hours at all branch locations, and extended weekday hours
The Lincolnwood branch will permanently close January 4, 2019. Dennis A. Fisher and the rest of the former First Security Credit Union team will be available to assist you at the United Credit Union office located at 5901 North Cicero Avenue, Suite 106 inside the Executive Tower building beginning January 7, 2019. The branch office hours are: Monday, Tuesday, Thursday, Friday 10:00am – 5:30pm, Saturdays 8:30am – 12:30pm and closed on Wednesdays.
Online Banking Login Instructions
Members will need to re-enroll in Online Banking beginning Monday, January 7, 2019.
You will be asked the following to enroll and log into United Credit Union Online Banking:
Username: Your new United Credit Union account number
Social Security Number: Do not include dashes
You will be prompted to complete your online banking registration by creating a User ID, changing your password and answering Five (5) security questions (answers must be a minimum of four-characters).
Frequently Asked Questions
IS MY MONEY SAFE?
Yes. United Credit Union’s shares are backed by the full faith and credit of the U.S. Government. United Credit Union is insured by the National Credit Union Association (NCUA), which insures savings to at least $250,000. For higher deposits, United Credit Union provides an additional $250,000 of Excess Share Insurance (ESI) free to members, insuring deposits for up to $500,000.
WILL THE MINIMUM BALANCE FOR FIRST SECURITY CREDIT UNION SAVING ACCOUNTS REMAIN AT $5.00?
United Credit Unions minimum savings account balance is $25. You will have 1 year to bring your balance up to $25. You will not be charged the $5.00 below minimum fee for that year.
WILL MY ACCOUNT NUMBER CHANGE?
Yes. You will be receiving your new account number (member number) in the mail. If you do not receive this information by January 7, 2019, please contact us at 800.848.3444.
WILL I HAVE TO ORDER NEW CHECKS?
You will be receiving new checks with your new account number. You will be able to continue to use your First Security checks until Friday, January 4, 2019.
WILL MY PAYROLL DEPOSIT POST TO MY UNITED CREDIT UNION ACCOUNT?
Yes, your payroll deposit will continue to post to your United Credit Union account after the merger. To ensure there are not interruptions to any of your ACH or automatic transactions, please update your information with any vendor(s) or company debiting or depositing transactions(s) to your account. You must inform these vendors of United Credit Union’s routing number 30 days after the merger to avoid a disruption of service.
WILL MY CD AND IRA RATE(S) AND TERM(S) REMAIN THE SAME?
Yes. All existing CDs AND IRAs will continue to earn the same Annual Percentage Yield until maturity.
- Once the CD matures it will roll over to your share savings account
- Once the IRA matures it will be closed and transferred to a United Credit Union IRA product
WILL MY CURRENT LOAN RATE(S) BE THE SAME?
Yes. All rates you pay on your current First Security Credit Union loan(s) will carry over to your United Credit Union loan(s).
WILL MY LOAN TERMS AND FEES BE ANY DIFFERENT THEN WHAT THEY WERE AT FIRST SECURITY CREDIT UNION?
The late fee of $20.00 and the 15-day grace period will remain the same for all First Security Credit Union loans after the merger.
WHERE DO I SEND MY LOAN PAYMENTS?
You can send your loan payments to 4444 S. Pulaski Rd, Chicago IL 60632 beginning January 7, 2019.
I HAVE AN AUTOMATIC TRANSFER FROM MY SHARE ACCOUNT TO MAKE A LOAN PAYMENT WILL THAT STILL WORK?
Yes. If you have an automatic transfer from a share or checking account to make a loan payment the payment will continue to be transferred to your loan on the payment due date.
HOW CAN I REGISTER FOR THE MOBILITI APP?
Go to the Apple or Android Store and download the FREE Mobiliti App for your smartphone.
WHAT IF I HAVE ADDITIONAL QUESTIONS?
We’re here to answer your questions! Please don’t hesitate to call us at (800) 848-3444 if have any questions about this partnership and what it means to you.