COVID-19 Member Notices

Additional Emergency Relief Benefits

Released 04/09/20

I’d like to start by saying thank you for your patience and understanding as we’ve adapted to a new normal amidst the current circumstances.

Our responsibility to serve as your financial health and wellness resource remains our primary focus. Team members have shifted to find unique, new ways to continue to provide you with the same level of exceptional service while continuing to uphold the highest level of privacy and security.

I understand that most of us are feeling some degree of uncertainty right now. I want to assure you that United Community remains strong, sound and financially equipped to continue on as usual throughout this pandemic and for many years to come.

We’ve focused on creating options to meet your financial needs through our United Community Emergency Relief program. A few of our offerings are highlighted below.


Access your share
certificate funds
without any early
withdrawal penalties.*

We've temporarily
reduced our fees
until further notice.*

Qualifying members
can skip 2 months
of loan payments.*

Emergency Relief Personal Loan

We've created a unique and affordable financial assistance
solution to offer some relief during this pandemic.

Our Emergency Relief loan offers you:

- Up to $2,500 CASH
- Repayment Terms up to 24 Months
- Low-fixed Rates as low as 6.69% APR*
- No Payment for Your First 90 Days

Apply Today!

We're committed to serving you so you can focus on what matters most - staying safe and healthy. I encourage you to learn more about other financial assistance benefits available to you through our relief program.

United Community Emergency Relief Program

As proud as I am to share some of the financial assistance resources available to you, I must also take a moment to shed some light on an unfortunate situation many of you are at risk of being exposed to.

Financial institutions are being notified by federal organizations of increases in fraudulent activity related specifically to Coronavirus which can range from low-cost health care coverage to virus cures to false charities. These scams are impacting a wide range of individuals; however, older generations continue to be a preferred target. It is vital that we stay vigilant, informed and aware of possible scams.

The following recommendations come directly from the Coronavirus Scams page on Federal Trade Commission’s (FTC) website:

Avoid Coronavirus Scams

  • Don’t respond to texts, emails or calls about checks from the government. The details are still coming together.
  • Ignore online offers for vaccinations and home test kits. There are no products proven to treat or prevent COVID-19 at this time.
  • Hang up on robocalls. Scammers are using illegal robocalls to pitch everything from low-priced health insurance to work-at-home schemes.
  • Watch for emails claiming to be from the CDC or the WHO. Use sites like and to get the latest information. And don’t click on links from sources you don’t know.
  • Do your homework when it comes to donations. Never donate in cash, by gift card, or by wiring money.

Stay informed and stay protected. Click the link below to learn more.

COVID-19 Scam Awareness

Houstonians are known to come together and persevere when faced with a challenge and I am confident this will be no different.

Thank you for choosing to #BeUnited.

Mac McDermott

* United Community Credit Union is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Anyone who lives, works, worships or attends school in the East Houston community is eligible to join United Community. A $5 savings account establishes your membership

Skip-A-Pay: Qualifications for Emergency Relief Skip-a-Pay include: all accounts must be current and in good standing, member cannot have caused credit union a loss and loan(s) must have been opened before 01/01/2020. Loans eligible for this program are limited to Personal and Auto Loans. Loan(s) skipped automatically, no application or action required. Any payment(s) skipped, or interest accrued as a result of a skip, may not be covered under your GAP Policy or Credit Insurance Policy, if applicable. If payments received via automatic transfer, funds will be posted to your primary share account. Your regular loan payment(s) schedule will resume following two consecutive months of loan payment(s) skipped. Emergency Relief Skip-a-Pay program is offered to members during unforeseen disasters and/or emergencies and may replace bi-annual skip-a-pays.

Emergency Relief Loan: With Approved Credit. APR = Annual Percentage Rate. Max loan amount is $2,500. Lowest rate of 6.69% is available for unsecured loan term up to 24 months. Lowest rate of 6.69% for up to 12 months is $20.21 per thousand and highest rate of 15.99% APR for unsecured loan term of 24 months is $98.57 per thousand. No additional discounts available. Certain credit criteria applies for lowest advertised rate. Other terms and rates available. Applicant must be in good standing to qualify. Qualifying United Community loan criteria, including term and financing limits, applies for all loans. Offer ends April 30, 2020. Loan must be funded within 5 days of the promotional end date. Rates subject to change without notice. This offer excludes existing United Community loans and cannot be combined with any other offer.

United Community reserves the right to discontinue promotions without notice at any time for any reason.

Lobby Closure Amid COVID-19

Released 03/17/20

The last few weeks have brought about global change in reaction to the ongoing coronavirus (COVID-19) pandemic. United Community continues to monitor the situation closely, taking in advisement from our local, state and federal governments. We are doing our part to adapt to the alterations effecting our daily lives while creatively re-cultivating the member experience. Safety of our staff, membership and community remain our up most concern.

Our previous message focused on the precautionary measures implemented to ensure a safe environment for you and our staff. While we are continuing to enforce those measures, recent recommendations from government officials have required us to re-evaluate our current operating procedures.

Due to enhanced social distancing recommendations, United Community will begin closing branch lobbies and transitioning locations to provide full-service drive-thru banking. We will maintain normal operating hours and continue offering all features and products to our membership in a modified setting.

Branch Transition Schedule:

  • CROSBY: Effective immediately, the Crosby branch lobby is closed. Full-service drive-thru banking will be available at normal operating hours moving forward. In-branch access is unavailable until further notice.
  • NORMANDY & SUMMERWOOD: Effective Wednesday, March 18th at 7AM, Summerwood and Normandy branch lobbies will be closed and branches will offer full-service drive-thru banking. In-branch access will be unavailable until further notice.
  • GALENA PARK: Effective Wednesday, March 18th at 9AM, Galena Park will offer modified services to members by appointment only. Due to the absence of a drive-thru at this location, appointments will ensure the safety of our staff while continuing to allow service to our members. Appointments can be made over the phone.

Do everything you need from a safe place by connecting with us digitally. Our team is fully staffed and available to serve you.

Communication Channels:

  • Call Us – 713.674.5778
  • Text Us – 713.674.5778
  • Email Us –
  • Facebook Messenger - @unitedccu
  • Instagram Direct Message - @unitedccu

Don’t forget about the power at your fingertips! Access your accounts, transfer funds, apply for a loan, pay bills or deposit checks 24/7 with our digital banking tools.

Digital Banking Resources:

Stay up to date by visiting our website and social media platforms. As we continue to adapt to the rapidly changing situation before us, we want to thank you for your patience, cooperation and choosing to #BeUnited.

Mac McDermott

COVID-19 Update

Released 03/12/19

As you are aware, concerns related to the coronavirus (COVID-19) have required immediate action.

At United Community, the well-being of our membership and staff remain our primary concern. We are committed to being available to serve you in the most efficient and safest ways possible during this time. As the situation continues to develop and change, we will continue to make the necessary adjustments needed to provide a safe environment for our members and staff. All United Community branch locations are operating under our usual business standard; however, I want to inform you of a few precautionary measures we have set in motion for the safety of all involved.

  • Social Distancing – A form of social distancing has been adopted by staff as a means of eliminating physical contact with all individuals, including membership and staff members.
  • Hand Sanitization – Hand Sanitizer is readily available within all branches for use when visiting.
  • Daily Disinfectant Cleaning – Staff members are continuously wiping down shared spaces with disinfectant wipes and sprays throughout each business day.
  • Specialized Deep Cleaning – Each branch location is cleaned throughout the week; however, as an added precaution, a thorough deep, disinfectant cleaning from a professional cleaning service has been implemented.

Though your in-branch experience may take on a different approach, our dedication to providing you with excellent service holds true. We will continue to strive to find the best course of action to remain ready and available for your financial needs.

For those practicing social distancing, our team is fully staffed and available to serve you. Call/text us at 713-674-5778 or send an email to for your financial needs.  You can also access your accounts, transfer funds, apply for a loan or deposit checks 24/7 with our digital banking tools:

  • Online Banking – View your accounts at Not Enrolled? Sign Up Here.
  • Mobile Banking – Available at the Apple and Google Play store. Don’t have the app? Find It Here.
  • Mobile Check Deposit – Deposit checks on the go. Sign Up Today.
  • Surcharge FREE ATMs – We’re a part of the Allpoint network giving you access to over 55,000 fee free ATMs. Find your nearest ATM here.
  • Online Loan Applications – A fully digital experience! Apply online and complete the process without visiting a branch. Get Started Today.

We will continue to monitor updates related to COVID-19 and follow the recommendations of State/Local Health Departments and the Centers for Disease Control and Prevention. For the latest information about COVID-19, visit the CDC's resource center:

Stay informed as we continue to provide updates via our website and social media platforms. As change continues to unfold, United Community will adapt. Rest assured our responsibility to you as your reliable, steadfast financial resource remains unwavering.

Thank you for choosing to #BeUnited.

Mac McDermott