Founded in 1955 to serve USAA employees and their family members, UNITED SA^® Federal Credit Union is now open to anyone who lives, works, worships, attends school or conducts business in Bexar County, Texas. UNITED SA is a member-owned, not-for-profit financial cooperative. Throughout the past 55 years, we have grown into a full-service financial institution serving almost 30,000 members, with approximately $230 million in assets. Despite our extraordinary growth, we are proud to have maintained our family atmosphere.

UNITED SA is committed to providing members with quality financial products and services delivered in a professional, courteous and timely manner. Unlike banks that must generate profits to satisfy stockholders, we return excess earnings to our members through:

• Competitive dividend rates paid on savings, checking, and investment accounts
• Competitive interest rates on loans
• The addition of valuable new products and services

PHILOSOPHY & STRUCTURE      
Credit unions are democratically owned and controlled institutions based on "people helping people" principles. Credit union boards of directors are elected by members; each member has an equal vote, regardless of how much he or she has on deposit. Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates and lower cost services.

MEMBERSHIP QUALIFICATIONS

SERVICE GUARANTEE
At UNITED SA, superior service is not an empty promise; we back it up with our guarantee to you. Our member-owners will receive prompt and accurate service, enthusiastically delivered by our employees - because you deserve it! Our service begins with a friendly greeting and concludes with a sincere thank you.

If we do not meet our guarantee in every way, please let us know in writing and we will credit your account with $5.00.

Thank you for your choice to do business with UNITED SA. We sincerely appreciate your membership and will do everything possible to ensure your financial needs are met.