UNITE Credit Union was established in 1955 and provides financial services to the employees, faculty, alumni and students of the University of Northern Iowa along with employees, students, alumni and faculty of the Cedar Falls School District. In 2012, Midwest Utilities Credit Union merged with UNITE . Our current membership exceeds 2,000 and now includes employees, faculty, retirees, students, alumni and families of UNI and Cedar Falls Schools as well as employees, retirees and families of MidAmerican Energy.


We promise our members:

  • We are here to serve you and to be of service.
  • You are never an “account number” to us; you’re a member and friend.
  • A person will answer the phone when you call, and you will not encounter long lines in our lobby.
  • We take pride in providing the highest quality, fastest and most accurate personal service.

FEDERALLY INSURED BY THE National Credit Union Association

As a member of UNITE Credit Union, all funds are Federally insured by the National Credit Union Administration for up to $250,000 per individual. If you need insurance for larger amounts, please contact us.


Your credit union is a federally insured cooperative financial institution, owned by its members. Unlike a bank or savings and loan association, a credit union is not for profit and dedicated only to serving its members who share a common bond. Credit union members pool their money to make their collective savings available for low cost loans to each other.

Since credit unions are nonprofit, earnings are distributed to members either in the form of better rates on savings or rebates on loans, or are invested in new or improved services for the members. Once you deposit money in the credit union, you become a member and shareholder. You can then vote for the credit union’s board of directors. Officers and directors are chosen from the membership and serve on a voluntary basis.

Close Menu
Due to weather, we will be closing at 1:00PM on Jan 14th.