Union Federal S&L Rates and Review January 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Union Federal S&L's 24-Month CD rates are at 3.03%, 18-Month CD rates are at 2.52%, 12-Month CD rates are at 2.50%, 60-Month CD rates are at 2.25%, 48-Month CD rates are at 2.25%. Union Federal S&L's savings rates are at 0.10%. Union Federal S&L's money market rates are at 0.10%.
To see how these rates compare to Union Federal S&L CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Union Federal S&L, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Union Federal S&L CD rates. You can also compare Union Federal S&L savings rates, MMA rates and mortgage rates using our other rate lists. Union Federal S&L 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 Union Federal S&L? Share your experience about Union Federal S&L by leaving a review below, or read customer reviews before you decide to use Union Federal S&L. Union Federal S&L Texas RatioUnion Federal S&L's Texas Ratio is at 2.92%, which is considered excellent. The Texas Ratio for Union Federal S&L is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.0
Excellent
Out of 5.0 Stars
Union Federal S&L has earned a Smart Rating of 4.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Union Federal S&L is a excellent bank worth considering, with an overall rating of 4.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Union Federal S&L CD Rates and Interest RatesUnion Federal S&L
24-Month CD
3.03%
$200
Union Federal S&L
18-Month CD
2.52%
$200
Union Federal S&L
12-Month CD
2.50%
$200
Union Federal S&L
60-Month CD
2.25%
$200
Union Federal S&L
48-Month CD
2.25%
$200
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare Union Federal S&L Rates with Other Competitive Bank and Credit Union Rates
Central Bank Provo, UT
12-Month CD
4.01%
$500
Spring Bank Bronx, NY
Savings
3.75%
$100
Kirkwood Bank & Trust Co.
6-Month CD
3.73%
$500
NASA Federal Credit Union
36-Month CD
3.65%
$1,000
BankNewport
12-Month CD
3.65%
$1,000
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Bank Profile & OverviewUnion Federal S&L
104 N Tremont StKewanee, IL 61443 Henry Established Date: 01/01/1890 FDIC Certificate #: 27767 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 6 How Many Branches are There? 6 Website: https://www.myunionfederal.com
Is Union Federal S&L FDIC Insured? Yes
What is Union Federal S&L's Cert number? 27767
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$151,275,000
Total Deposits:
$127,627,000
Equity Capital:
$22,846,000
Net Income:
$27,000
Return on Assets (ROA):
0.3880%
Return on Equity (ROE):
2.6300%
Headquarters:
Kewanee
Regulator:
OCC
# of Offices:
6
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Union Federal S&L yet. Feel free to create one below.
Add Your Rating and Review for Union Federal S&L
Frequently Asked Questions About Union Federal S&LHow do I open an account at Union Federal S&L?You can typically open an account at Union Federal S&L by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Union Federal S&L provides a range of mortgage and home equity products. Is Union Federal S&L a safe place to deposit money?Yes, Union Federal S&L is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Union Federal S&L offer online and mobile banking?Most modern institutions like Union Federal S&L provide digital access including online balance checks and transfers. Compare to other Banks |
