Real Estate Closing Cost Credit
Buy or sell through our network of professional Realtors and receive up to a 1% cash-back closing cost credit where the program terms apply.
View Real Estate BenefitsMember Benefits from United Buying Service
The UBSI Group (United Buying Service) is a buying and finance referral service. We use the combined strength of member groups to connect people with pre-negotiated pricing, credits, and expert referrals on major purchases—not retail haggling, but organized access to programs built for unions, associations, and workplace partners.
Sign in or arrive through your union or employer link to see any organization-specific messaging. Everyone can use this page to understand what United Buying Service offers and open each program.
What we do:
We do not sell every product ourselves. We negotiate and maintain relationships with lenders, insurers, dealers, and retailers so that eligible members get member-level pricing, closing cost credits where applicable, and a clear path to a specialist who handles that product line.
- Real estate and mortgage: referrals to programs built for member savings, including closing cost credits and mortgage options described on those program pages.
- Vehicles: fleet-style pricing and dealer referrals for new and used cars.
- Insurance: group-rated options from national carriers for auto, home, life, and health (details vary by program).
- Home purchases: appliance, furniture, and electronics buying through participating retailers.
Who we work with:
We partner with unions, teacher associations, school employee groups, public-sector associations, and other employers and affinity organizations. Teachers and education staff often access these benefits through their union or local association; the same referral model applies to other member groups. If you are unsure whether your group participates, check with your benefits office or use your organization’s UBSI link.
Programs you can open from this dashboard
Each tile below links to the full details, forms, and disclosures for that program.
Mortgage Finance
Member mortgage programs may include reduced rates, competitive closing costs, and guidance for purchases and refinances. See current options on the mortgage page.
View Mortgage RatesCar Buying Service
Pre-negotiated fleet-level pricing on new and used vehicles at authorized local dealerships, with dealer referral support.
Find Your New CarInsurance Programs
Group-rated discounts on auto, home, life, and health coverage through national carriers when available to your membership type.
Compare Member RatesConsumer Products
Wholesale-level pricing on major kitchen appliances, laundry, furniture, and home electronics through the consumer products program.
Shop All ProductsLearn more about the company in our company overview or read the FAQ. Program availability and terms depend on your membership and the specific offer.