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United Credit Cards

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Credit card options for every spender.

We help you achieve your financial goals with many Visa® and American Express® credit card opportunities. Stack up rewards points, get cash back, secure a low APR to consolidate your credit card debt or even start building your credit score when you choose the best credit card offers for you.
Visa® Platinum Card

Pay down balances faster.

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Cash Rewards American Express® Card

Get flexible cash rewards.

  • 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3
Visa® Real Rewards Card

Rewards to use the way you  want.4

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase3
Premier Rewards American Express® Card

Get the superior travel and lifestyle benefits you need.

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✔®7
Visa® College Real Rewards Card

Build your credit.

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
Visa® Secured Card

Build your credit.

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

When your side project becomes a full reno.

For when things go right—and even wrong—you have the option of opening a Home Equity Loan to support your needs, complete that project or make necessary repairs. Keep on building.

Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

Can I pay off a loan through the online loan payment system?

Yes! But here’s a few things to remember:

  1. The loan can’t be a revolving line of credit as we do not process and payoff this loan type through the online loan payment system.  Revolving lines of credit include Overdraft Protection, Home Equity Line of Credit, Personal Line of Credit or Business Line of Credit.  
  2. The payment must be $5,000 or less and result in all outstanding principal, interest and applicable fees paid to $0.

Make a Loan Payment

What forms of payment are accepted through the online loan payment system?

The following forms of payment are accepted through the online loan payment system:

  • Debit card
  • ACH - bank account and routing number 

Make a Loan Payment

Are there ways to avoid the fee when making a loan payment online?

Yes, you can open a checking or savings account online and make payments via free online transfers.

You may also complete the online payment registration to pay as a registered user to avoid the fee.

Make a Loan Payment

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee clause on the new policy matches the name and address above. 

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Learning Center

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It is no secret that we live in one of the most “marketed-to” cultures in the world, and with this in mind, we need to make sure we keep a cool head and cultivate the discipline to resist overspending, or else we will find ourselves with an empty bank account.
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Should you buy new or used?

One of the very first questions you’ll have to answer when you start your car hunt is “new or used?” To help you make up your mind, we’ve outlined a few of the key points for and against both options.
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Ready to get serious about debt reduction?

Whether you’ve got student loan debt, need to pay off a loan for unexpected medical expenses, have a home loan, or even high credit card debt, there are several options to eradicate debt in order to free up your money for other uses.
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1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

Premier Rewards Card Points: You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.