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Ukrainian Federal Credit Union

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Ukrainian Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ukrainian Federal Credit Union?

Current rates for Ukrainian Federal Credit Union include: 12-Month CD: 1.51%, 24-Month CD: 1.51%, 60-Month CD: 3.29%, Savings: 0.03%, MMA: 3.30%

Q: What CD terms does Ukrainian Federal Credit Union offer?

Ukrainian Federal Credit Union CD rates are 1.51% APY for a 12 month CD, 4.25% APY for a 13 month CD, 1.51% APY for a 2 year CD, 2.52% APY for a 4 year CD and 3.29% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Ukrainian Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Ukrainian Federal Credit Union's 13 Month CD rates are at 4.25%, 5 Year CD rates are at 3.29%, 4 Year CD rates are at 2.52%, 1 Year CD rates are at 1.51%, 2 Year CD rates are at 1.51%. Ukrainian Federal Credit Union's savings rates are at 0.03%. Ukrainian Federal Credit Union's money market rates are at 3.30%. Ukrainian Federal Credit Union's checking rates are as high as 4.00%. Ukrainian Federal Credit Union's Adjustable Rate ARM - 20 Years rates are at 6.62%, Adjustable Rate ARM - 25 Years rates are at 6.75%, Fixed Rate Mortgage - 5 Years (NY Only) rates are at 6.88%, Hybrid Adjustable Rate 3/1/30 Loan rates are at 6.88%, Fixed Rate Mortgage - 10 Years (NY Only) rates are at 7.00%. Ukrainian Federal Credit Union's Personal Loan Rates are as low as 7.00%. Ukrainian Federal Credit Union's Credit Card Rates are at 13.50%. Ukrainian Federal Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Ukrainian Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.53%. Rates last updated and verified on 10/28/2026.

Ukrainian Federal 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 Ukrainian Federal Credit Union? Share your experience about Ukrainian Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ukrainian Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.53%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Ukrainian Federal Credit Union
Rochester Main Office

824 E Ridge Rd
Rochester, NY 14621

https://ukrainianfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ukrainian Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Share Certificate	4.184%	4.25%	13 months
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 23, 20264.25%▲ from 4.00% Oct 8, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
5 Year Share Certificate	3.25%	3.29%	5 years
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
4 Year Share Certificate	2.50%	2.52%	4 years
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
1 Year Share Certificate	1.50%	1.51%	1 year
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
2 Year Share Certificate	1.50%	1.51%	2 years
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
6 Month Share Certificate	1.50%	1.51%	6 months
Min Deposit $500 Details Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Savings Rates

Product	Rate	APY
Regular Savings	-	0.03%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Regular Shares	0.03%	0.03%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.25%	3.30%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 12, 20263.30%▲ from 3.04% Sep 12, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Money Market	3.00%	3.04%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 2.78% → 3.04% ▲ 0.26 pts · high 3.04% / low 2.78% Oct 12, 20263.04%▲ from 2.78% Sep 12, 20262.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Money Market	2.50%	2.53%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.53% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Money Market	2.00%	2.02%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Money Market	0.10%	0.10%
Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Checking Rates

Product	Rate	APY
High Dividend Share Draft	-	4.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $25,000.00; Non-qualifying rate 0.00% APY; Rates effective 3/25/26 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
High Dividend Share Draft	-	0.50%
Min Balance $25,000 Details Balance: over $25,000 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.00% → 0.50% ▼ 3.50 pts · high 4.00% / low 0.50% Sep 18, 20260.50%▼ from 4.00% Sep 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Organizational Checking	-	0.00%
No additional details. Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Share Draft	-	0.00%
Details Balance: all balances Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	-	0.00%
No additional details. Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate ARM - 20 Years	-	0.000	6.625%	20 Years
Details NY only; APR as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.75% → 6.63% ▼ 0.13 pts · high 6.75% / low 6.63% Oct 23, 20266.63%▼ from 6.75% Oct 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Adjustable Rate ARM - 20 Years	-	0.000	6.75%	20 Years
Details APR as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Adjustable Rate ARM - 25 Years	-	0.000	6.75%	25 Years
Details NY only; APR as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.88% → 6.75% ▼ 0.13 pts · high 6.88% / low 6.75% Oct 23, 20266.75%▼ from 6.88% Oct 12, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Adjustable Rate ARM - 25 Years	-	0.000	6.875%	25 Years
Details APR as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 5 Years (NY Only)	-	0.000	6.875%	5 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 3/1/30 Loan	-	0.000	6.875%
Details Type: 3/1/30; NY Only; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.00% → 6.88% ▼ 0.13 pts · high 7.00% / low 6.88% Oct 23, 20266.88%▼ from 7.00% Oct 12, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 10 Years (NY Only)	-	0.000	7.00%	10 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 5 Years	-	0.000	7.00%	5 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 3/1/30 Loan	-	0.000	7.00%
Details Type: 3/1/30; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 5/1/30 Loan	-	0.000	7.00%
Details Type: 5/1/30; NY Only; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.13% → 7.00% ▼ 0.13 pts · high 7.13% / low 7.00% Oct 23, 20267.00%▼ from 7.13% Oct 12, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 10 Years	-	0.000	7.125%	10 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 15 Years (NY Only)	-	0.000	7.125%	15 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 20 Years (NY Only)	-	0.000	7.125%	20 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 5/1/30 Loan	-	0.000	7.125%
Details Type: 5/1/30; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 7/1/30 Loan	-	0.000	7.125%
Details Type: 7/1/30; NY Only; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.25% → 7.13% ▼ 0.13 pts · high 7.25% / low 7.13% Oct 23, 20267.13%▼ from 7.25% Oct 12, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 15 Years	-	0.000	7.25%	15 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 20 Years	-	0.000	7.25%	20 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 25 Years (NY Only)	-	0.000	7.25%	25 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 30 Years (NY Only)	-	0.000	7.25%	30 Years
Details As Low As; NY ONLY - APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 10/1/30 Loan	-	0.000	7.25%
Details Type: 10/1/30; NY Only; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.38% → 7.25% ▼ 0.13 pts · high 7.38% / low 7.25% Oct 23, 20267.25%▼ from 7.38% Oct 12, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 7/1/30 Loan	-	0.000	7.25%
Details Type: 7/1/30; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 25 Years	-	0.000	7.375%	25 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Fixed Rate Mortgage - 30 Years	-	0.000	7.375%	30 Years
Details As Low As; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Hybrid Adjustable Rate 10/1/30 Loan	-	0.000	7.375%
Details Type: 10/1/30; APR* as low as (0 pts.) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Commercial, Investment, or Church Mortgages - 12 Year Term	-	-	8.625%	12 years
Details APR as low as; Maximum LTV: 75%; Maximum Amount: $500,000; Commercial loan rates above $500,000 will be quoted on a case-by-case basis Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Up to 70% LTV	-	0.000	6.75%	10 Years
Details As Low As; APR* at 0 pts.; States: CA, OR, WA Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Home Equity Loan - Up to 75% LTV	-	0.000	6.75%	10 Years
Details As Low As; APR* at 0 pts.; States: NY, MA, OH, NC Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Home Equity Line of Credit HELOC - 70% LTV (CA, OR, WA)	-	-	7.00%
Details As Low As; Maximum LTV: 70% (CA, OR, WA); Maximum Amount: $300,000.00; Lifetime index = Prime Rate, currently 7.00%; Margin as low as 0.000%; Rate will never be below the initial rate or exceed 16.00%; Minimum line amount $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Home Equity Line of Credit HELOC - 80% LTV (NY, MA, OH, NC)	-	-	7.00%
Details As Low As; Maximum LTV: 80% (NY, MA, OH, NC); Maximum Amount: $300,000.00; Lifetime index = Prime Rate, currently 7.00%; Margin as low as 0.000%; Rate will never be below the initial rate or exceed 16.00%; Minimum line amount $10,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Home Equity Loan - Up to 70% LTV	-	0.000	7.25%	15 Years
Details As Low As; APR* at 0 pts.; States: CA, OR, WA Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Home Equity Loan - Up to 75% LTV	-	0.000	7.25%	15 Years
Details As Low As; APR* at 0 pts.; States: NY, MA, OH, NC Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan (vehicle year 2022 - 2026)	-	-	5.25%	3 years
Details As Low As; Standard APR: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 12, 20265.25%▲ from 4.75%* Oct 8, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)	-	-	5.25%	4 years
Details As Low As; Standard APR: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 12, 20265.25%▲ from 4.75%* Oct 8, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)	-	-	5.50%	5 years
Details As Low As; Standard APR: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Oct 12, 20265.50%▲ from 5.00%* Oct 8, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Used Auto Loan (vehicle year 2022 - 2026)	-	-	5.75%	6 years
Details As Low As; Standard APR: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25% Oct 12, 20265.75%▲ from 5.25%* Oct 8, 20265.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)	-	-	6.00%	4 years
Details As Low As; APR as low as 5.00%; Maximum relationship discount 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 12, 20266.00%▲ from 5.50% Oct 8, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)	-	-	6.00%	3 years
Details As Low As; APR as low as 5.00%; Maximum relationship discount 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 12, 20266.00%▲ from 5.50% Oct 8, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)	-	-	6.25%	5 years
Details As Low As; APR as low as 5.25%; Maximum relationship discount 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 12, 20266.25%▲ from 5.75% Oct 8, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	6.50%	2 years
Details As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	6.50%	3 years
Details As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)	-	-	6.50%	6 years
Details As Low As; APR as low as 5.50%; Maximum relationship discount 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 12, 20266.50%▲ from 6.00% Oct 8, 20266.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	6.75%	4 years
Details As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)	-	-	6.75%	7 years
Details As Low As; APR as low as 5.75%; Maximum relationship discount 1.00% Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 12, 20266.75%▲ from 6.25% Oct 8, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	7.00%	5 years
Details As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	7.25%	6 years
Details As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	7.50%	2 years
Details APR; relationship discounts may apply Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.50% → 7.50% ▲ 1.00 pts · high 7.50% / low 6.50% Oct 23, 20267.50%▲ from 6.50%* Oct 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	7.50%	3 years
Details APR; relationship discounts may apply Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.50% → 7.50% ▲ 1.00 pts · high 7.50% / low 6.50% Oct 23, 20267.50%▲ from 6.50%* Oct 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	7.75%	4 years
Details APR; relationship discounts may apply Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.75% → 7.75% ▲ 1.00 pts · high 7.75% / low 6.75% Oct 23, 20267.75%▲ from 6.75%* Oct 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - Used Vehicles	-	-	7.75%	4 years
Details As Low As; Vehicle Year: 2020-2026; Maximum Term: 4 years; Regular APR: 8.750%; Best rates based on approved credit with maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	8.00%	5 years
Details APR; relationship discounts may apply Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.00% → 8.00% ▲ 1.00 pts · high 8.00% / low 7.00% Oct 23, 20268.00%▲ from 7.00%* Oct 12, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Vehicle Loans - New Vehicles	-	-	8.25%	6 years
Details APR; relationship discounts may apply Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.25% → 8.25% ▲ 1.00 pts · high 8.25% / low 7.25% Oct 23, 20268.25%▲ from 7.25%* Oct 12, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
UFCU Everyday Rewards VISA Credit Card	-	13.50%
Details As Low As; APR* as low as range by transaction type: Purchases 13.50% to 18.00%; Balance Transfers 13.50% to 18.00%; Cash Advance 15.50% to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 13.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Personal Loan Rates

Product	APR	Term
Home Improvement Unsecured Loan	7.00%	5 Years
Details As Low As; APR* at 0 pts.; Home Equity Loans Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 1 Year (APR as low as)	9.00%	1 year
Details As Low As; Term in Years: 1; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Signature Loan	9.50%	2 years
Details As Low As; Standard APR: 10.500%; Business signature loan rates reflect up to 1.00% relationship discount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Signature Loan	9.75%	3 years
Details As Low As; Standard APR: 10.750%; Business signature loan rates reflect up to 1.00% relationship discount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 1 Year	10.00%	1 year
Details Term in Years: 1; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 2 Years (APR as low as)	10.00%	2 years
Details As Low As; Term in Years: 2; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Signature Loan	10.00%	4 years
Details As Low As; Standard APR: 11.000%; Business signature loan rates reflect up to 1.00% relationship discount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 2 Years	11.00%	2 years
Details Term in Years: 2; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 3 Years (APR as low as)	11.00%	3 years
Details As Low As; Term in Years: 3; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 3 Years	12.00%	3 years
Details Term in Years: 3; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 4 Years (APR as low as)	12.00%	4 years
Details As Low As; Term in Years: 4; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 5 Years (APR as low as)	12.50%	5 years
Details As Low As; Term in Years: 5; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 4 Years	13.00%	4 years
Details Term in Years: 4; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Personal Loan - 5 Years	13.50%	5 years
Details Term in Years: 5; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

Ukrainian Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Equipment Loans	-	-	8.25%	3 years
Details As Low As; Term in Years: 3; best rates based on approved credit, reflects a maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Equipment Loans	-	-	8.50%	4 years
Details As Low As; Term in Years: 4; best rates based on approved credit, reflects a maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Business Equipment Loans	-	-	8.75%	5 years
Details As Low As; Term in Years: 5; best rates based on approved credit, reflects a maximum relationship discount of 1.00% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.25%	5 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.125%	5 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.375%	10 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.25%	10 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.375%	12 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.25%	12 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.50%	15 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.375%	15 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.50%	20 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.375%	20 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.625%	25 Years
Details APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
Modifications Loan	-	0.000	7.50%	25 Years
Details NY Only; APR as low as (0 pts.); UFCU members with an existing UFCU mortgage residing in NY or MA are eligible for a modification Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA (Traditional, ROTH, & Coverdell) Shares	0.05%	-	0.05%
Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA Share Certificate - 1 year	1.50%	-	1.51%	1 year
Min Deposit $500 Details Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA Share Certificate - 13 months	4.184%	-	4.25%	13 months
Min Deposit $500 Details Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA Share Certificate - 2 years	1.50%	-	1.51%	2 years
Min Deposit $500 Details Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA Share Certificate - 4 years	2.50%	-	2.52%	4 years
Min Deposit $500 Details Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%
IRA Share Certificate - 5 years	3.25%	-	3.29%	5 years
Min Deposit $500 Details Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.53%

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.

Financial Health History

Ukrainian Federal Credit Union’s Texas Ratio rose from 5.33% in Q3 2023 to 10.53% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$427M	10.53%	5.0	A
March 31, 2026	$423M	5.35%	5.0	A+
December 31, 2025	$415M	9.07%	5.0	A
September 30, 2025	$414M	10.03%	5.0	A
June 30, 2025	$408M	9.84%	5.0	A
March 31, 2025	$404M	10.64%	5.0	A
December 31, 2024	$396M	11.21%	5.0	A
September 30, 2024	$390M	8.35%	5.0	A
June 30, 2024	$392M	6.66%	5.0	A
March 31, 2024	$389M	6.35%	5.0	A
December 31, 2023	$390M	5.96%	5.0	A+
September 30, 2023	$384M	5.33%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ukrainian Federal 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 Ukrainian Federal 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 Ukrainian Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ukrainian Federal Credit Union

Website https://ukrainianfcu.org

Address 824 E Ridge Rd, Rochester, NY 14621

Phone 585-544-9518

Fax 585-338-2980

President Wasyl Kornylo

CEO Oleg Lebedko

Full-Time Employees 81

Part-Time Employees 10

Branch Locations 15

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 (95/100)

Texas Ratio

10.53%

Return on Assets (ROA)

0.3629%

Return on Equity (ROE)

4.5232%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

426,872,252

Total Amount of Shares and Deposits

389,546,809

Total Shares and Deposits < 1 Year

246,615,129

Total Shares and Deposits 1 3 Years

129,742,323

Total Shares and Deposits > 3 Years

13,189,356

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

50,941,623

Total Uninsured Shares and Deposits > $250K (F+J)

50,941,623

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

338,605,186

Total Interest Expense (Sum of items 6 8)

3,969,381

Share Certificates

4,300

Number of Accounts for Share Drafts

14,422

IRA KEOGH Accounts

1,860

Number of Accounts for Regular Shares

29,989

All other shares

596

Non Member Deposits

Money Market Shares

372

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

1,549,195

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

23,065,641

Total Liabilities

393,145,027

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ukrainian Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ukrainian Federal Credit Union

Does Ukrainian Federal Credit Union offer CDs?

Yes. Ukrainian Federal Credit Union current CD rates include its 13 Month CD at 4.25% APY, its 5 Year CD at 3.29% APY and its 4 Year CD at 2.52% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Ukrainian Federal Credit Union NCUA insured?

Yes. Ukrainian Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Ukrainian Federal Credit Union?

The highest Ukrainian Federal Credit Union CD rate is its 13 Month CD at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Ukrainian Federal Credit Union offer?

Ukrainian Federal Credit Union CD rates are 1.51% APY for a 12 month CD, 4.25% APY for a 13 month CD, 1.51% APY for a 2 year CD, 2.52% APY for a 4 year CD and 3.29% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Ukrainian Federal Credit Union for its full lineup.

What is the highest savings rate at Ukrainian Federal Credit Union?

The highest Ukrainian Federal Credit Union savings rate is its Regular Savings at 0.03% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Ukrainian Federal Credit Union?

The highest Ukrainian Federal Credit Union money market rate is its Money Market at 3.30% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Ukrainian Federal Credit Union?

The lowest Ukrainian Federal Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Years (NY Only) at 7.25% APR, verified by MonitorBankRates as of October 28, 2026. Ukrainian Federal Credit Union mortgage rates are 7.25% APR for a 30 year mortgage, 6.75% APR for a 25 year mortgage, 6.625% APR for a 20 year mortgage, 7.125% APR for a 15 year mortgage, 8.625% APR for a 12 year mortgage, 7.00% APR for a 10 year mortgage and 6.875% APR for a 5 year mortgage.

What is the lowest auto loan rate at Ukrainian Federal Credit Union?

The lowest Ukrainian Federal Credit Union auto loan rate is its Used Auto Loan (vehicle year 2022 - 2026) at 5.25% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Ukrainian Federal Credit Union?

The lowest Ukrainian Federal Credit Union personal loan rate is its Home Improvement Unsecured Loan at 7.00% APR, verified by MonitorBankRates as of October 28, 2026. Ukrainian Federal Credit Union personal loan rates are 9.00% APR for a 12 month personal loan, 10.00% APR for a 24 month personal loan, 11.00% APR for a 36 month personal loan, 12.00% APR for a 48 month personal loan and 12.50% APR for a 60 month personal loan.

What is the lowest credit card APR at Ukrainian Federal Credit Union?

The lowest Ukrainian Federal Credit Union credit card APR is its UFCU Everyday Rewards VISA Credit Card at 13.50% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Ukrainian Federal Credit Union operate?

Ukrainian Federal 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 Ukrainian Federal Credit Union?

Yes, to access services at Ukrainian Federal 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, Ukrainian Federal 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, Ukrainian Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ukrainian Federal Credit Union offer online and mobile banking?

Most modern institutions like Ukrainian Federal 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://ukrainianfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Ukrainian Federal Credit Union rates compare?

Ukrainian Federal Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A health rating. Ukrainian Federal Credit Union's top rates are its 13 Month CD at 4.25% APY, its Regular Savings at 0.03% APY, its Money Market at 3.30% APY, its High Dividend Share Draft at 4.00% APY, its Adjustable Rate ARM - 20 Years at 6.625%, its Home Improvement Unsecured Loan at 7.00% APR and its UFCU Everyday Rewards VISA Credit Card at 13.50% APR, verified by MonitorBankRates on October 28, 2026.

Current Ukrainian Federal Credit Union Rates

12-Month CD1.51%
24-Month CD1.51%
60-Month CD3.29%
Savings0.03%
MMA3.30%

Retrieved from our database of financial products. Rates subject to change.

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Ukrainian Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ukrainian Federal Credit Union Texas Ratio

Ukrainian Federal Credit Union Health Trend

Ukrainian Federal Credit Union CD Rates

Ukrainian Federal Credit Union Savings Rates

Ukrainian Federal Credit Union Money Market Rates

Ukrainian Federal Credit Union Checking Rates

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Ukrainian Federal Credit Union Mortgage Rates

Ukrainian Federal Credit Union Home Equity & HELOC

Ukrainian Federal Credit Union Auto Loan Rates

Ukrainian Federal Credit Union Credit Card Rates

Ukrainian Federal Credit Union Personal Loan Rates

Ukrainian Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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Ukrainian Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Ukrainian Federal Credit Union

Does Ukrainian Federal Credit Union offer CDs?

Are CDs from Ukrainian Federal Credit Union NCUA insured?

What is the highest CD rate at Ukrainian Federal Credit Union?

What CD terms does Ukrainian Federal Credit Union offer?

What is the highest savings rate at Ukrainian Federal Credit Union?

What is the highest money market rate at Ukrainian Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Ukrainian Federal Credit Union?

What is the lowest auto loan rate at Ukrainian Federal Credit Union?

What is the lowest personal loan rate at Ukrainian Federal Credit Union?

What is the lowest credit card APR at Ukrainian Federal Credit Union?

How many branches does Ukrainian Federal Credit Union operate?

Is a member application needed to join Ukrainian Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ukrainian Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Ukrainian Federal Credit Union rates compare?

Current Ukrainian Federal Credit Union Rates

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