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New Membership

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Eligibility
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Applying is fast and easy!
You will need the following information in order to complete the application:
Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of Birth
Select your eligibility
I belong to a Select Employee Group. The company I work for is
.
I live, work, worship or attend school in
.
I have a family member that has an account at Universal 1. The name of my family member is
.
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Required Products
Select at least one of the following products required for membership
Main Savings

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Min Deposit: $5.00


You may select one of the following products
Available Products
Money Market

Your Money Market Account is an insured, multi-tiered rate savings account designed to give you the best return on your money without being tied to a term. Dividends are compounded daily and paid monthly. A minimum deposit of $2,000 is required to open account. Free checks for balances over $10,000. Money Market Accounts are subject to Regulation D rules for withdrawals and transfers. See General Fee Schedule, Truth in Savings and account disclosures for more information.

Freedom Express Checking

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Freedom Checking

Enjoy the freedom of a checking account with no monthly fee, $0 minimum balance, ACH payments, Visa Debit Card, and Overdraft privilege. Perfect choice if your average daily balance is below $500. See General Fee Schedule, Truth in Savings and account disclosures for more information.

Freedom 500 Checking

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Secondary Savings

Start saving for a home down payment, emergency fund, special life event or shopping fund! Plan your saving goals with additional savings accounts. Minimum balance of $5.00. For balances over $300, dividends are compounded and paid monthly based on a tiered savings rate. The more you save, the more you earn! See General Fee Schedule, Truth in Savings and account disclosures for more information.

Vacation Club

Make every vacation a reality with a U1 Vacation Club Account. Set up regular transfers or direct deposits to have the funds you need next summer. Plus earn dividends paid on balances of $50 or more. On the first business day in July, your Vacation Club funds will be transferred to your checking or savings account for your vacation. Then start saving for next year! You deserve it! See General Fee Schedule, Truth in Savings and account disclosures for more information.

APY: 0.10%

Holiday Club

Holiday Club Accounts let you save for the holidays throughout the year! Plus earn dividends paid on balances of $50 or more. On the first business day in November, your Holiday Club funds will be transferred to your checking or savings account just in time for holiday spending. Then start saving for next year! Make your holidays happy with a Holiday Club Account! See General Fee Schedule, Truth in Savings and account disclosures for more information.

APY: 0.10%

Money Saver Certificate

Build your way to a $500 Certificate! Just $25 opens your Money Saver Certificate! Add deposits over the next 12 months to reach your $500 goal! Start saving today! Early withdrawals of Certificates are subject to substantial dividend penalties. See account disclosures for more information.

APY: 0.50% Min Deposit: $25.00

6 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.20% Min Deposit: $1,000.00

7 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.20% Min Deposit: $1,000.00

12 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $500. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.30% Min Deposit: $500.00

13 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.30% Min Deposit: $1,000.00

18 Month Certificate

Build more with an 18 month Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.40% Min Deposit: $1,000.00

24 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.50% Min Deposit: $1,000.00

30 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.50% Min Deposit: $1,000.00

36 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.70% Min Deposit: $1,000.00

48 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 0.85% Min Deposit: $1,000.00

60 Month Certificate

Earn more with a U1 Certificate! U1's competitive rates, daily compounded dividends paid monthly, and NCUA federal insurance make U1 Certificates a great choice. Minimum balance $1,000. We may impose a penalty if you withdraw funds from your account before the maturity date. See account disclosures for more information.

APY: 1.00% Min Deposit: $1,000.00

APY (Annual Percentage Yield)
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Funding

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'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
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Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Joint Applicant Information

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About Your Joint Applicant
Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Beneficiaries Information

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Tell us about your beneficiaries
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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