About Us

United Northwest Federal Credit Union, originally United Co-op Credit Union, was organized in July of 1949 by local area farmers of Norton and Lenora. Annual meetings were held at the co-op station in Norton, with 27 members present at the first meeting. In 1975 a name change took place, making it United Northwest Federal Credit Union.  A fresh name came with a fresh location, and UNWFCU was relocated to its current place along Highway 36.  As the credit union grew the opportunity to expand presented itself, resulting in the opening of a branch office in Oberlin, Kansas.  70 years later, United Northwest Federal Credit Union continues to grow and provide outstanding service to our prospering communities. 

United Northwest Federal Credit Union is a not-for-profit cooperative. We operate solely to serve our members and similar to banks, we offer a wide range of financial products.  However, unlike banks, we do this as a service, not as a source of income. That is why you will find that our rates and fees are often significantly lower than those of other financial institutions.

When you become a member of United Northwest Federal Credit Union, you become one of its owners. This gives you the unique opportunity to guide the credit union by electing the volunteer Board of Directors, who oversee the direction of the credit union.

You can be assured that every decision made at United Northwest Federal Credit Union is made with our members' financial well being in mind. United Northwest Federal Credit Union is committed to providing our members with top quality products and a level of personal service that is unsurpassed.  At United Northwest Federal Credit Union, "Everything we do, We do for you"!!


Who's Who of UNWFCU

Heather McDougal – Loan Officer/Certified Financial Counselor

Heather McDougal was born and raised in Oberlin, Kansas.  She took classes at Miller-Motte Technical School in Clarksville, TN, majoring in the medical field.  She is married to Garrett Mcdougal, and has 3 sons; Jude, Justice, and Jessiah. 

Heather and Garrett were married in 2006 in Oberlin.  Her hobbies include reading, listening to music, shooting firearms, and watching sprint car races.  She also enjoys spending time with her children. 

Heather has worked at the credit union for 8 years.  She started as a teller, and lone employee in the Oberlin branch.  She is now a Certified Financial Counselor as well as a Loan Officer.  Heather says her favorite part of working at the credit union is seeing all the great people.  She also really enjoys helping people achieve their financial goals. 



Employee Directory


Denise A Bailey




Tammy Brungardt 

     Assistant Manager

     R/E Loan Officer



Michelle Smith 

     Head Teller

     Recovery Specialist



Heather McDougal (Oberlin) 

     Loan Officer

     Certified Financial Counselor



Alyssa Bailey 

     Compliance Officer

     Certified Financial Counselor



Brenda Husted 

     Loan Processor



Patty Kauten 

     IRA Specialist

     Member Service Representative



Mindy Braun

     Loan Officer



Lauryn Wert 

     Loan Officer

     Human Resources



Kayla Weigel

     Member Service Representative



Jessica Ninemire 

     Loan Processor

     Member Service Representative



Kim Largent 

     IRA Specialist

     Member Service Representative



Olivia Carter 

     Member Service Representative (part-time)


Sharon Black (Oberlin) 

     Member Service Representative (part-time)