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iAdvertiser Disclosure
Advertiser Disclosure
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 Union Square Credit Union Rates & Review March 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
Union Square Credit Union's 1 Year CDs (CDs) rates are at 3.61%, 6 month CDs (CDs) rates are at 3.61%, IRA CD 1 Year rates are at 3.61%, IRA CD 6 month rates are at 3.61%, 2 Years CDs (CDs) rates are at 3.30%. Union Square Credit Union's money market rates are at 1.01%. Union Square Credit Union's Personal Loan Rates are at 5.74%. MonitorBankRates evaluates the financial stability of Union Square Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.88%. Rates were last updated on 03/22/2026. Union Square 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 Union Square Credit Union? Share your experience about Union Square Credit Union by leaving a review below, or read customer reviews before you decide to use Union Square Credit Union. Union Square Credit Union
Downtown Office 1401 Holliday St
https://www.unionsquare.org Wichita Falls, TX 76301 7108 
Union Square Credit Union CD Rates
Union Square Credit Union Money Market Rates
Union Square Credit Union Checking Rates
Union Square Credit Union Auto Loan Rates
Union Square Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Union Square 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 Union Square 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 Union Square Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Union Square Credit Union
Website
https://www.unionsquare.org
Address
1401 Holliday St,
Wichita Falls, TX 76301 7108
Phone
940-720-8000
Fax
940-720-8070
President
David Nix
CEO
Patrick Murray
Full-Time Employees
136
Part-Time Employees
9
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.88%
Return on Assets (ROA)
0.0583%
Return on Equity (ROE)
0.7171%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
604,858,522
Total Amount of Shares and Deposits
554,163,908
Total Shares and Deposits < 1 Year
525,871,394
Total Shares and Deposits 1 3 Years
20,922,415
Total Shares and Deposits > 3 Years
7,370,099
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,956,364
Total Uninsured Shares and Deposits > $250K (F+J)
35,908,351
Total Insured Shares and Deposits > $250K (item 17 less item K)
518,255,557
Total Interest Expense (Sum of items 6 8)
12,769,040
Share Certificates
3,081
Number of Accounts for Share Drafts
21,432
IRA KEOGH Accounts
1,306
Number of Accounts for Regular Shares
40,057
All other shares
1,145
Non Member Deposits
64
Money Market Shares
265
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
50,315,961
Total Liabilities
558,076,943
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Union Square Credit UnionIs Union Square Credit Union a safe place to deposit money?Yes, Union Square Credit Union is considered a safe financial institution. With a Texas Ratio of 9.8756913732648%, 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 Union Square Credit Union operate?Union Square 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 Union Square Credit Union?Yes, to access services at Union Square 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, Union Square 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, Union Square Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Union Square Credit Union offer online and mobile banking?Most modern institutions like Union Square 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.unionsquare.org. Current Union Square Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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