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UFCW LOCAL 23

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UFCW LOCAL 23 Rates & Review March 2026

Q: How many branches does UFCW LOCAL 23 operate?

UFCW LOCAL 23 currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join UFCW LOCAL 23?

Yes, to access services at UFCW LOCAL 23, 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.

Q: Is there a first-time homebuyer program?

Currently, UFCW LOCAL 23 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UFCW LOCAL 23 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: March 28, 2026

You can compare UFCW LOCAL 23 rates to other rates in our database, including 12-month share certificate rates currently at 0.05%, 6-month share certificate rates at 3.19% and 3-month share certificate rates at 1.49%. Savings rates are at 0.10% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to UFCW LOCAL 23 rates. MonitorBankRates evaluates the financial stability of UFCW LOCAL 23 with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.17%. Rates were last updated on 03/28/2026.

UFCW LOCAL 23 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 UFCW LOCAL 23? Share your experience about UFCW LOCAL 23 by leaving a review below, or read customer reviews before you decide to use UFCW LOCAL 23.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.17%

Excellent Lower than avg

Montecito Bank & Trust
UFCW Local 23 FCU

345 Southpointe Blvd
Canonsburg, PA 15317

http://ufcw23fcu.org

UFCW LOCAL 23 Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	4.90%	-	4.90%	20 years
Details Max Limit: $75,000.00 Last Updated 03/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UFCW LOCAL 23 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 UFCW LOCAL 23 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 UFCW LOCAL 23's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UFCW LOCAL 23

Website http://ufcw23fcu.org

Address 345 Southpointe Blvd, Canonsburg, PA 15317

Phone 724-514-2200

Fax 724-514-2204

President Nancy Smith

CEO Carrie DeMotte

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.17%

Return on Assets (ROA)

-0.8803%

Return on Equity (ROE)

-5.5984%

Non-Performing Loans Ratio (NPL)

1.91%

Total Assets

8,764,806

Total Amount of Shares and Deposits

7,181,292

Total Shares and Deposits < 1 Year

7,181,291

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

7,181,292

Total Interest Expense (Sum of items 6 8)

41,038

Number of Accounts for Regular Shares

1,992

Net Income (unless the amount is already included in Undivided Earnings)

6,492

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,321,025

Total Liabilities

7,386,664

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for UFCW LOCAL 23 yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About UFCW LOCAL 23

Is UFCW LOCAL 23 a safe place to deposit money?

Yes, UFCW LOCAL 23 is considered a safe financial institution. With a Texas Ratio of 5.1731784952254%, the institution's financial health is rated as excellent. 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 UFCW LOCAL 23 operate?

UFCW LOCAL 23 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 UFCW LOCAL 23?

Yes, to access services at UFCW LOCAL 23, 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, UFCW LOCAL 23 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, UFCW LOCAL 23 provides members with tools to manage their accounts and build a solid financial history.

Does UFCW LOCAL 23 offer online and mobile banking?

Most modern institutions like UFCW LOCAL 23 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: http://ufcw23fcu.org.