Office Hours     (315) 782-6476      (315) 782-6930      605 Coffeen Street Carbone Bros. Plaza Watertown, NY 13601     Routing #: 221375200

united neighbors fcu services

Owned by the members, for the members

Services offered from United Neighbors Federal Credit Union

Share Accounts

Share accounts work the same way a savings account works. Members must deposit their initial $5.00 into the account. Share accounts earn dividends each quarter with a minimum average daily balance of $100.00. Members with share accounts have the privilege of check cashing, direct deposit, submitting a loan application, opening a club account, and much more.

Membership application Home banking Account change / address change card

Checking Accounts

Our "No Charge/ Free" Checking account, has no monthly fees, no per transaction charges, and no minimum balance requirements. We also offer a "free" debit card for any checking account.

Additional account card Debit card application Courtesy pay


The Credit Union offers many different loan products to meet our members needs: Home Equities, Vehicles, Motorcycles, RV's, Campers, Line of Credit, ATV's, Snowmobiles, Seasonal Loan Specials (Christmas, Holiday, Vacation, ect), Debt Consolidation, Credit Builders, Home maintenance and much more!

Loan application Home equity application

Youth Shares

A higher yield savings account for members under the age of 18. The average dividend is .15% higher than the traditional share account.

Club accounts

No minimum deposit or regular deposit is required. You can choose to have systematic withdrawals from your share or checking account on a regular basis or make deposits at your leisure. Dividends are paid at the end of the term, and monies are sent to members via mail in early October. A minimum of $25.00 average daily balance is needed to receive a dividend.

Club form

Term share certificates

Commonly known as Certificates of Deposit, they are geared toward long term savings and offer a higher dividend rate than traditional savings accounts. The Credit Union offers 12 month certificates. Some restrictions apply please call for more details.

Term share form