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United Savers Trust Credit Union

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United Savers Trust Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Savers Trust Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare United Savers Trust Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.46%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 0.50%. Savings rates are at 0.25% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to United Savers Trust Credit Union rates. MonitorBankRates evaluates the financial stability of United Savers Trust Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.92%. Rates were last updated on 04/23/2026.

United Savers Trust Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Savers Trust Credit Union? Share your experience about United Savers Trust Credit Union by leaving a review below, or read customer reviews before you decide to use United Savers Trust Credit Union.

Overall Health & Safety Grade

C+

Fair Health Score: 78/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

25.92%

Good Higher than avg

United Savers Trust Credit Union
United Savers Trust Credit Union

8600 Jameel Rd Ste 90
HOUSTON, TX 77040 6229

https://www.ustcu.com

Current Rate Availability

We do not have United Savers Trust Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Savers Trust Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Savers Trust Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Savers Trust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Savers Trust Credit Union

Website https://www.ustcu.com

Address 8600 Jameel Rd Ste 90, HOUSTON, TX 77040 6229

Phone 713-462-2553

Fax 713-462-2645

President MATTHEW PENTIFALLO

CEO CHARLOTTE AUBRY

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (78/100)

Texas Ratio

25.92%

Return on Assets (ROA)

0.0900%

Return on Equity (ROE)

1.2786%

Non-Performing Loans Ratio (NPL)

2.37%

Total Assets

6,298,029

Total Amount of Shares and Deposits

5,498,416

Total Shares and Deposits < 1 Year

5,199,704

Total Shares and Deposits 1 3 Years

298,712

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,498,416

Total Interest Expense (Sum of items 6 8)

10,622

Share Certificates

Number of Accounts for Share Drafts

215

IRA KEOGH Accounts

Number of Accounts for Regular Shares

969

All other shares

229

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

279,681

Total Liabilities

5,854,513

Source: NCUA — Last Updated 09/30/2023

Customer Reviews

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Frequently Asked Questions About United Savers Trust Credit Union

Is United Savers Trust Credit Union a safe place to deposit money?

Yes, United Savers Trust Credit Union is considered a safe financial institution. With a Texas Ratio of 25.918280266605%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does United Savers Trust Credit Union operate?

United Savers Trust Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Savers Trust Credit Union?

Yes, to access services at United Savers Trust Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Savers Trust Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Savers Trust Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Savers Trust Credit Union offer online and mobile banking?

Most modern institutions like United Savers Trust Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ustcu.com.