Welcome To Northern United Federal Credit Union Where Members Make the Difference! Northern United FCU Home Banking CREDIT PROBLEMS?  POOR CREDIT, BAD CREDIT, NO CREDIT Let our loan department assist you. We will review your credit history with our score enhancement service (FREE OF CHARGE). We want to help all our members. We realize some of our members have had past credit problems and may be paying excessively high rates as a result.Our rates, regardless of your credit history will almost always be better than you are currently paying.  WE CAN HELP YOU GET THE CREDIT YOU DESERVE.