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

Patty Kauten – IRA Specialist / Member Service Representative

Patty was born in Ft. Bragg, NC and raised in Norton, Kansas.  She attended college at Fort Hays State University.  In 1977, she married her husband Jim and together they have 3 children and 2 grandchildren.  Her hobbies include reading, playing with her grandkids, and cross stitching. 

Patty joined the credit union team in August of 2015.  She is a member service representative as well as an IRA Specialist. 


Brenda Husted – Loan Processor

Brenda was born and raised in Norton.  She and her husband Randy grew up together, but didn’t start dating until high school, when they worked together in Nebraska de-tasseling corn.  They married in October of 1983 and have 3 children; Steve, Chad, and Kenzi.  They have 8 grandchildren, 6 girls and 2 boys, ranging in ages from 1 to 10. 

Brenda loves spending time with her family, doing home improvement projects, and decorating cakes.  She has worked at the Credit Union for 4 years.  Brenda started as a teller and now works as a loan processor.  Her favorite part of working at the Credit Union is “experiencing new challenges every day”.


Olivia Carter – Member Service Representative (part-time)

Olivia, daughter of Justin and Karen Carter, was born in Norton, Kansas.  She attends Norton Community High School where she participates in volleyball, basketball, Jaysingers, KAYS, and SADD.  Her hobbies include reading, singing, and playing softball. 

Olivia started working at the Credit Union part-time in 2018 and works during her winter, spring and summer breaks.  Her favorite part of working at the Credit Union is getting to visit with the members. 


Alyssa Bailey – Compliance Officer / Certified Financial Counselor

Alyssa Bailey was born in Wichita, Kansas and grew up in Norton, Kansas.  In 2015, Alyssa married Lucas Bailey.  They have 3 active boys, Ethan (8), Eli (2), and Ean (1), who keep them pretty busy.  She enjoys fishing, practicing archery, and spending time at the farm with her family.

Alyssa has worked at the Credit Union for 8 years.  She started as a part-time teller, helping out during the summer months.  Now she is a certified financial counselor and the compliance officer.  Her favorite thing about the credit union is “being a part of its ‘people helping people’ philosophy”.


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. 


Michelle Smith – Head Teller / Recovery Specialist/BSA Officer

Shelly Smith was born in Norton, Kansas in March and grew up in Lenora.  She attended Colby Community College, where she earned her Associates Degree in Nursing.  She has 2 sons, Brayden and Dawson.  Brayden is a senior this year and plans to attend college in Pratt in the fall and Dawson is in 7th grade.  In her spare time, Shelly loves being outdoors with her boys.  She also enjoys watching her kids sporting events.


Tammy Brungardt – Assistant Manager

Tammy Brungardt was born in Hays, Kansas in January and grew up in Victoria, Kansas.  She has 1 son, Taylor Meder.  She has worked at United Northwest Federal Credit Union for 10 years and has held several positions including teller, loan officer, and compliance officer.  She is currently the Assistant Manager.


Denise Bailey – Manager

Denise Bailey was born in Kansas City, Missouri on February 22 to Phyllis and Edwin Yeater.  She attended college at Maple Woods Community College, where she majored in Computer & Business.

She is married to Gail Bailey and has 2 sons, Mark and Lucas Bailey.  She has 5 grandchildren and spends her spare time watching their sporting events and school activities.  She also enjoys helping her husband and sons on the farm.

Denise has been with United Northwest Federal Credit Union for 38 years.  She started as a teller, has worked as a loan officer, and is now the Manager.  Denise enjoys working at the credit union and says her favorite part is “being able to work with our members, and help them 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)