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Your Union Credit Union. Built for UA Local 32.

You don’t need to drive to a branch or office.

 
Bank anywhere. Work anywhere.
 
Waterfront Federal Credit Union is proud to partner with UA Local 32 to serve union members and their families. Get all the benefits of a union-owned credit union — without the extra trip.
 
Learn more about your membership benefits
Get access to your existing account
 

Banking That Goes Where the Job Takes You

Your schedule isn’t 9–5, and your banking shouldn’t be either.
With Waterfront, you can manage your money wherever work takes you:
 
  • Bank online or on your phone
  • Deposit checks using your mobile device
  • Pay bills, transfer money, and apply for loans online
  • Text or chat with our local team during business hours (never a call center)

Here when you need us — even when you’re not near us.

 

More Locations. More Access.

You don’t need a Waterfront branch to get what you need.
As a member, you have access to:
  • 30,000+ surcharge-free ATMs nationwide
  • 5,000+ shared credit union branches
  • The CO-OP Shared Branching Network
Access your money and get help almost anywhere work takes you.
 

Built With UA Local 32

Waterfront is your union-owned, member-owned credit union, built in partnership with UA Local 32 to support union workers and their families.
 
Once you’re a member, you’re always a member — even if you change unions, change jobs, or retire.
 
As a Local 32 member, you have access to:
 
  • Branded UA Local 32 debit cards
  • Specialized loans designed for union members
  • Low-rate auto, home, and personal loans
  • Union Dues Loans when you need support
  • Checking accounts that skip the added fees
And because you’re a member, your immediate family can join too.
 

Your Vacation Funds Are Already Here

Your UA Local 32 vacation funds are deposited with Waterfront as part of our partnership with your union.
 
That means:
  • You already have an account
  • Your membership is for life
Now it’s time to put it to work for you.
 

What You Need to Get Started

Getting started is simple. Most members just need:
 
  • A photo ID
  • Your contact information
  • A few minutes to set up online access
You’re already a member — and that membership stays with you, even if your job or union changes.
 

The Credit Union Difference

Waterfront Federal Credit Union vs. Typical Banks
Rates
Lower, member-first rates vs. higher, profit-driven rates
 
Monthly Payments
Designed to stay affordable vs. often increasing over time
 
Interest Costs
Less paid over the life of the loan vs. more paid in interest
 
Fees
Fewer fees; many loans with no application or processing fees vs. frequent application, origination, and service fees
 
Ownership
Member-owned vs. shareholder-owned
 
Profits
Reinvested back into members vs. paid to investors
 
Decision Making
Local and relationship-based vs. corporate and policy-driven
 
Focus
Long-term member success vs. short-term profit goals
This difference adds up to lower costs, fewer surprises, and a lender that puts members before margins.
 

Put Your Credit Union to Work for You

You already have an account. 
 
Now take full advantage of everything your credit union offers.
 
🌐 waterfrontfcu.org
📞 206.622.8415
Federally insured by NCUA. Equal Housing Lender. Membership eligibility required.
 

 

*APR = Annual Percentage Rate. 7.99% APR is for a maximum term of 36 months and a maximum loan amount of $10,000.00. New money only. All loans are subject to approval; to qualify, a borrower must meet underwriting requirements. Rates are determined by creditworthiness and other factors and may differ from the rates quoted above. Rates and terms are subject to change without notice. Offer valid through September 30, 2025. Certain restrictions apply. Federally insured by NCUA.