☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Unison Credit Union

iAdvertiser Disclosure

Unison Credit Union Rates & Review November 2026

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

Current rates for Unison Credit Union include: 12-Month CD: 2.52%, 18-Month CD: 2.52%, 24-Month CD: 2.52%, 60-Month CD: 2.52%, Savings: 3.04%, MMA: 3.50%

Q: What CD terms does Unison Credit Union offer?

Unison Credit Union CD rates are 2.52% APY for a 12 month CD, 4.50% APY for a 13 month CD, 2.52% APY for an 18 month CD, 4.75% APY for a 23 month CD, 2.52% APY for a 2 year CD and 2.52% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Unison Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Unison Credit Union's 23 Month Term CDs rates are at 4.75%, 13 Month Term CDs rates are at 4.50%, 12 Month Term CDs rates are at 2.52%, 18 Month Term CDs rates are at 2.52%, 24 Month Term CDs rates are at 2.52%. Unison Credit Union's savings rates are at 3.04%. Unison Credit Union's money market rates are at 3.50%. Unison Credit Union's checking rates are as high as 2.79%. Unison Credit Union's 10 Year Fixed Rate Construction Loan rates are at 6.25%, 10 Year Fixed Rate Mortgage Loan rates are at 6.25%, 7 Year ARM (Adjustable Rate Mortgage) Construction Loan rates are at 6.00%, 7 Year ARM (Adjustable Rate Mortgage) Loan rates are at 6.00%, 5 Year ARM (Adjustable Rate Mortgage) Construction Loan rates are at 5.75%. Unison Credit Union's Auto Loan Rates are as low as 5.99%. Unison Credit Union's Credit Card Rates are at 12.99%. Unison Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Unison Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.70%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Unison Credit Union
South Office

1616 Crooks Ave
Kaukauna, WI 54130

https://www.unisoncu.org

Customer Reviews

Be the first to review

Write a Review

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.

Unison Credit Union CD Rates

Product	Rate	APY	Term
23 Month Term Share Certificates	4.67%	4.75%	23 Month
Min Deposit $2,000 Details Minimum deposit/balance of $2000 to open/earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 19, 20264.75%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 23 Month	4.67%	4.75%	23 Month
Min Deposit $2,000 Details Minimum deposit/balance of $2000 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
13 Month Term Share Certificates	4.43%	4.50%	13 Month
Min Deposit $2,000 Details Minimum deposit/balance of $2000 to open/earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 13 Month	4.43%	4.50%	13 Month
Min Deposit $2,000 Details Minimum deposit/balance of $2000 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
12 Month Term Share Certificates	2.50%	2.52%	12 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
18 Month Term Share Certificates	2.50%	2.52%	18 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
24 Month Term Share Certificates	2.50%	2.52%	24 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Month Term Share Certificates	2.50%	2.52%	30 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
36 Month Term Share Certificates	2.50%	2.52%	36 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
48 Month Term Share Certificates	2.50%	2.52%	48 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
60 Month Term Share Certificates	2.50%	2.52%	60 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 12 Month	2.50%	2.52%	12 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 18 Month	2.50%	2.52%	18 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 24 Month	2.50%	2.52%	24 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 36 Month	2.50%	2.52%	36 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 48 Month	2.50%	2.52%	48 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 60 Month	2.50%	2.52%	60 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
6 Month Term Share Certificates	1.75%	1.76%	6 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 6 Month	1.75%	1.76%	6 Month
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
90 Day Term Share Certificates	1.00%	1.01%	90 Day
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Share Certificate - 90 Day	1.00%	1.01%	90 Day
Min Deposit $500 Details Minimum deposit/balance of $500 to open/earn APY; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Savings Rates

Product	Rate	APY
Empowering Kids Savings	3.00%	3.04%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $1,000.00 earns 3.04% APY/3.00% dividend rate; balances over $1,000.00 earn regular share rates (0.10% APY/0.10% dividend rate); Minimum Daily Balance to Avoid Fee: $0; Empowering series savings only, not checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Empowering Teens Savings	3.00%	3.04%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $1,000.00 earns 3.04% APY/3.00% dividend rate; balances over $1,000.00 earn regular share rates (0.10% APY/0.10% dividend rate); Minimum Daily Balance to Avoid Fee: $0; Empowering series savings only, not checking Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Health Savings	0.75%	0.75%
Min Deposit $0 Min Balance $0 Details Balance: $0 minimum daily balance to earn APY; Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Property Tax Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0 minimum daily balance to earn APY; Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0 minimum daily balance to earn APY; Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Sub-Share Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0 minimum daily balance to earn APY; Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Not-for-Profit Share Savings	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Not-for-Profit Sub-Share Savings	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Business Savings Rates

Product	Rate	APY
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Business Sub-Share Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Checking Rates

Product	Rate	APY
Money Market Accounts - With Checking	3.44%	3.50%
Min Balance $1,000,000 Details Balance tier from $1,000,000; with checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Money Market Accounts - With Checking	2.76%	2.80%
Min Balance $250,000 Details Balance tier from $250,000; with checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA) - with Checking	2.75%	2.79%
Min Balance $500,000 Details Minimum deposit tier: $500,000; with Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA) - with Checking	2.00%	2.02%
Min Balance $100,000 Details Minimum deposit tier: $100,000; with Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Money Market Accounts - With Checking	1.88%	1.90%
Min Balance $75,000 Details Balance tier from $75,000; with checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA) - with Checking	1.25%	1.26%
Min Balance $15,000 Details Minimum deposit tier: $15,000; with Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Money Market Accounts - With Checking	1.00%	1.01%
Min Balance $15,000 Details Balance tier from $15,000; with checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA) - with Checking	1.00%	1.01%
Min Balance $0 Details Minimum deposit tier: $0; with Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Money Market Accounts - With Checking	0.60%	0.60%
Min Balance $2,500 Details Balance tier from $2,500; with checking Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Checking Plus	0.10%	0.10%
Min Deposit $0 Min Balance $500 Details Minimum Daily Balance to Avoid Fee: $200 OR Direct Deposit; $5.00 monthly fee applies without it; Checking Plus Accounts require either Direct Deposit or $200 to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Easy Does It Checking	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Minimum Daily Balance to Avoid Fee: $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Deposit $0 Min Balance $2,500 Details Minimum daily balance to avoid fee: $1,000; $10 monthly fee applies below $1,000 minimum daily balance; $2,500 required to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate Construction Loan	6.25%	-	6.34%	10 years
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
10 Year Fixed Rate Mortgage Loan	6.25%	-	6.34%	10 Year
Details As Low As; New Home and Advantage Home Loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
7 Year ARM (Adjustable Rate Mortgage) Construction Loan	6.00%	-	6.549%	7 years
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.29% → 6.55% ▲ 0.26 pts · high 6.55% / low 6.29% Oct 5, 20266.55%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
7 Year ARM (Adjustable Rate Mortgage) Loan	6.00%	-	6.549%	7 Year
Details As Low As; New Home and Advantage Home Loans; Adjustable rate after initial 7 year fixed period; annual cap +/- 2%, lifetime cap +/- 6% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
5 Year ARM (Adjustable Rate Mortgage) Construction Loan	5.75%	-	6.576%	5 years
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.31% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.31% Oct 5, 20266.58%▲ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
5 Year ARM (Adjustable Rate Mortgage) Loan	5.75%	-	6.576%	5 Year
Details As Low As; New Home and Advantage Home Loans; Adjustable rate after initial 5 year fixed period; annual cap +/- 2%, lifetime cap +/- 6% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
3 Year ARM (Adjustable Rate Mortgage) Construction Loan	5.50%	-	6.694%	3 years
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.43% → 6.69% ▲ 0.27 pts · high 6.69% / low 6.43% Oct 5, 20266.69%▲ from 6.43% Sep 14, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
3 Year ARM (Adjustable Rate Mortgage) Loan	5.50%	-	6.694%	3 Year
Details As Low As; New Home and Advantage Home Loans; Adjustable rate after initial 3 year fixed period; annual cap +/- 2%, lifetime cap +/- 6% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
15 Year Fixed Rate Mortgage Loan	6.75%	-	6.812%	15 Year
Details As Low As; New Home and Advantage Home Loans Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.44% → 6.81% ▲ 0.37 pts · high 7.06% / low 6.44% Oct 19, 20266.81%▼ from 7.06% Oct 13, 20267.06%▲ from 6.94% Sep 26, 20266.94%▲ from 6.56% Sep 18, 20266.56%▲ from 6.44% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Year Fixed Rate Mortgage Loan	7.25%	-	7.289%	30 Year
Details As Low As; New Home and Advantage Home Loans Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.91% → 7.29% ▲ 0.38 pts · high 7.54% / low 6.91% Oct 19, 20267.29%▼ from 7.54% Oct 13, 20267.54%▲ from 7.42% Sep 26, 20267.42%▲ from 7.16% Sep 18, 20267.16%▲ from 6.91% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
15 Year Fixed Rate Construction Loan	7.25%	-	7.313%	15 years
Details As Low As Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.44% → 7.31% ▲ 0.87 pts · high 7.56% / low 6.44% Oct 19, 20267.31%▼ from 7.56% Oct 5, 20267.56%▲ from 6.44% Sep 14, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Year Fixed Rate Construction Loan	7.75%	-	7.791%	30 years
Details As Low As Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.91% → 7.79% ▲ 0.88 pts · high 8.04% / low 6.91% Oct 19, 20267.79%▼ from 8.04% Oct 5, 20268.04%▲ from 6.91% Sep 14, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Home Equity & HELOC

Product	Rate	Points	APR
3 Year ARM (Adjustable Rate Mortgage) Home Equity Loan	6.50%	-	6.899%
Details As Low As; Rates as low as 6.50%, APR as low as 6.899%; best rates for borrowers with a credit score of 720 or higher; variable rate after initial 3-year fixed period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Home Equity Line of Credit (HELOC)	7.00%	-	7.00%
Details As Low As; Rates as low as 7.00%, APR as low as 7.00%; best rates for borrowers with a credit score of 720 or higher Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 4.00% Oct 5, 20267.00%▲ from 4.00% Sep 22, 20264.00%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
5 Year ARM (Adjustable Rate Mortgage) Home Equity Loan	6.75%	-	7.05%
Details As Low As; Rates as low as 6.75%, APR as low as 7.05%; best rates for borrowers with a credit score of 720 or higher; variable rate after initial 5-year fixed period Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.99%	84 Months
Details As Low As; Age of Vehicle: New - 2017; Requires at least $30,000 minimum loan amount; Not included in 3.99% offer; Offer ends 10/31/26; Other rates and terms available for refinances Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Auto Loan	-	-	6.49%	36 Months
Details As Low As; Age of Vehicle: 2016 & Older; Other rates and terms available for refinances Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Auto Loan	-	-	6.99%	48 Months
Details As Low As; Age of Vehicle: 2016 & Older; Other rates and terms available for refinances Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV Loan	-	3.99%	36 Months
Details As Low As; Age of ATV: New - 2017; Payments per $1,000 not included; 3.99% offer requires at least $10,000 new loan amount and credit score of 720 or higher Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 3.99% ▼ 2.50 pts · high 6.49% / low 3.99% Oct 19, 20263.99%▼ from 4.45% Sep 18, 20264.45%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan	-	3.99%	48 Months
Details As Low As; Age of ATV: New - 2017; 3.99% offer requires at least $10,000 new loan amount and credit score of 720 or higher Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 3.99% ▼ 3.00 pts · high 6.99% / low 3.99% Oct 19, 20263.99%▼ from 4.45% Sep 18, 20264.45%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan	-	3.99%	60 Months
Details As Low As; Age of ATV: New - 2017; 3.99% offer requires at least $10,000 new loan amount and credit score of 720 or higher Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 19, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan	-	3.99%	72 Months
Details As Low As; Age of ATV: New - 2017; 72M term requires $20,000 minimum loan amount under 3.99% offer Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 5, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	3.99%	36 Months
Details As Low As; Age of Boat: New - 2017; Requires at least $10,000 new loan amount and 720+ credit score; Offer ends 10/31/26; Membership eligibility required Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 3.99% ▼ 2.50 pts · high 6.49% / low 3.99% Oct 13, 20263.99%▼ from 4.45% Sep 18, 20264.45%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	3.99%	48 Months
Details As Low As; Age of Boat: New - 2017; Requires at least $10,000 new loan amount and 720+ credit score; Offer ends 10/31/26; Membership eligibility required Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 3.99% ▼ 3.00 pts · high 6.99% / low 3.99% Oct 13, 20263.99%▼ from 4.45% Sep 18, 20264.45%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	3.99%	60 Months
Details As Low As; Age of Boat: New - 2017; Requires at least $10,000 new loan amount and 720+ credit score; Offer ends 10/31/26; Membership eligibility required Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 13, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	3.99%	72 Months
Details As Low As; Age of Boat: New - 2017; Requires $20,000 minimum loan amount; Offer ends 10/31/26; Membership eligibility required Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 5, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Motorcycle Loan	-	5.99%	84 Months
Details As Low As; Age of Motorcycle: New - 2017; 84M term not included in 3.99% offer; requires $30,000 minimum loan amount Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 19, 20265.99%▲ from 5.49% Sep 22, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan	-	6.49%	36 Months
Details As Low As; Age of ATV: 2016 & Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	6.49%	36 Months
Details Age of Boat: 2016 & Older; Rates subject to change without notice; Membership eligibility required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Motorcycle Loan	-	6.49%	36 Months
Details As Low As; Age of Motorcycle: 2016 & Older Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan	-	6.99%	48 Months
Details As Low As; Age of ATV: 2016 & Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loan	-	6.99%	48 Months
Details Age of Boat: 2016 & Older; Rates subject to change without notice; Membership eligibility required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Recreational Vehicle Loans - 60 Month Balloon	-	6.99%	60 Month
Details As Low As; Vehicle value must be at least $25,000; Rates as low as APR; Your credit score determines your actual rate; All loans must be fully secured Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Recreational Vehicle Loans - 120 Months	-	7.99%	120 Months
Details As Low As; Vehicle value must be at least $20,000; Rates as low as APR; Your credit score determines your actual rate; All loans must be fully secured Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum with Rewards	-	12.99%
Details Current Rate; Balance Transfer:; Cash Advance: 3% of amount, $3 min / $10 max; Foreign Transaction: 1% of amount; Late/Return Payment: $10.00; Annual Fee: Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Line of Credit - 48 Month	-	-	9.99%	48 Month
Details As Low As; Kwik Cash line of credit; APR is best available for select terms; APR may change at any time; no annual fee Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
QuickLend Loan	-	-	7.99%	36 Months
Details As Low As; Rates as low as* column; APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
QuickLend Loan	-	-	8.99%	48 Months
Details As Low As; Rates as low as* column; APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	8.99%	36 Months
Details As Low As; Personal Loans; Rates, terms, and conditions vary based on account history and credit qualifications; Minimum loan amounts may apply to longer terms Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	9.99%	48 Months
Details As Low As; Personal Loans; Rates, terms, and conditions vary based on account history and credit qualifications; Minimum loan amounts may apply to longer terms Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	10.99%	60 Months
Details As Low As; Personal Loans; Rates, terms, and conditions vary based on account history and credit qualifications; Minimum loan amounts may apply to longer terms Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	0.75%	-	0.75%
Min Balance $0 Details Minimum deposit tier: $0; without Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	1.75%	-	1.76%
Min Balance $100,000 Details Minimum deposit tier: $100,000; without Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	2.50%	-	2.53%
Min Balance $500,000 Details Minimum deposit tier: $500,000; without Checking; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

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

Unison Credit Union’s Texas Ratio stayed near 1.85% in Q3 2023 to 1.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$394M	1.70%	5.0	A+
March 31, 2026	$389M	2.40%	5.0	A+
December 31, 2025	$384M	2.39%	5.0	A+
September 30, 2025	$365M	1.93%	5.0	A+
June 30, 2025	$363M	1.87%	5.0	A+
March 31, 2025	$346M	1.54%	5.0	A+
December 31, 2024	$339M	1.76%	5.0	A+
September 30, 2024	$334M	1.98%	5.0	A+
June 30, 2024	$326M	2.42%	5.0	A+
March 31, 2024	$329M	1.92%	5.0	A+
December 31, 2023	$323M	2.50%	5.0	A+
September 30, 2023	$313M	1.85%	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 Unison 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 Unison 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 Unison Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Unison Credit Union

Website https://www.unisoncu.org

Address 1616 Crooks Ave, Kaukauna, WI 54130

Phone 920-766-6000

Fax 920-766-6004

President Joe Verhagen

CEO Mark Hietpas

Full-Time Employees 66

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.70%

Return on Assets (ROA)

0.4513%

Return on Equity (ROE)

4.7792%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

393,619,388

Total Amount of Shares and Deposits

321,657,456

Total Shares and Deposits < 1 Year

319,356,024

Total Shares and Deposits 1 3 Years

1,856,142

Total Shares and Deposits > 3 Years

445,290

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

26,530,795

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

26,530,795

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

295,126,661

Total Interest Expense (Sum of items 6 8)

3,188,800

Share Certificates

2,140

Number of Accounts for Share Drafts

12,005

IRA KEOGH Accounts

788

Number of Accounts for Regular Shares

29,391

All other shares

630

Money Market Shares

1,126

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)

13,229,409

Total Liabilities

361,675,472

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Unison Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/unison-credit-union-rates-review-66851">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Unison Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Unison Credit Union

Frequently Asked Questions About Unison Credit Union

Does Unison Credit Union offer CDs?

Yes. Unison Credit Union current CD rates include its 23 Month Term CDs at 4.75% APY, its 13 Month Term CDs at 4.50% APY and its 12 Month Term CDs at 2.52% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Unison Credit Union NCUA insured?

Yes. Unison 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 Unison Credit Union?

The highest Unison Credit Union CD rate is its 23 Month Term CDs at 4.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Unison Credit Union offer?

Unison Credit Union CD rates are 2.52% APY for a 12 month CD, 4.50% APY for a 13 month CD, 2.52% APY for an 18 month CD, 4.75% APY for a 23 month CD, 2.52% APY for a 2 year CD and 2.52% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Unison Credit Union for its full lineup.

What is the highest savings rate at Unison Credit Union?

The highest Unison Credit Union savings rate is its Empowering Kids Savings at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Unison Credit Union?

The highest Unison Credit Union money market rate is its Money Market Accounts - With Checking at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Unison Credit Union?

The highest Unison Credit Union checking rate is its Money Market Accounts - With Checking at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Unison Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate Mortgage Loan at 7.25%, verified by MonitorBankRates as of October 29, 2026. Unison Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.75% for a 15 year mortgage, 6.25% for a 10 year mortgage, 6.00% for a 7 year mortgage, 5.75% for a 5 year mortgage and 5.50% for a 3 year mortgage.

What is the lowest auto loan rate at Unison Credit Union?

The lowest Unison Credit Union auto loan rate is its Auto Loan at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. Unison Credit Union auto loan rates are 6.99% APR for a 60 month auto loan and 7.99% APR for a 120 month auto loan.

What is the lowest credit card APR at Unison Credit Union?

The lowest Unison Credit Union credit card APR is its Visa Platinum with Rewards Credit Card at 12.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Unison Credit Union operate?

Unison 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 Unison Credit Union?

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

Does Unison Credit Union offer online and mobile banking?

Most modern institutions like Unison 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.unisoncu.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 Unison Credit Union rates compare?

Unison Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A+ health rating. Unison Credit Union's top rates are its 23 Month Term CDs at 4.75% APY, its Empowering Kids Savings at 3.04% APY, its Money Market Accounts - With Checking at 3.50% APY, its Ultimate Individual Retirement Accounts (IRA) - with Checking at 2.79% APY, its 3 Year ARM (Adjustable Rate Mortgage) Construction Loan at 5.50%, its Auto Loan at 5.99% APR and its Visa Platinum with Rewards Credit Card at 12.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Unison Credit Union Rates

12-Month CD2.52%
18-Month CD2.52%
24-Month CD2.52%
60-Month CD2.52%
Savings3.04%
MMA3.50%

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

Compare to Other Credit Unions

Unison Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Unison Credit Union Texas Ratio

Unison Credit Union Health Trend

Unison Credit Union CD Rates

Unison Credit Union Savings Rates

Unison Credit Union Business Savings Rates

Unison Credit Union Checking Rates

Unison Credit Union Business Checking Rates

Unison Credit Union Mortgage Rates

Unison Credit Union Home Equity & HELOC

Unison Credit Union Auto Loan Rates

Unison Credit Union RV, Boat and Powersport Loan Rates

Unison Credit Union Credit Card Rates

Unison Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Unison Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unison Credit Union

Does Unison Credit Union offer CDs?

Are CDs from Unison Credit Union NCUA insured?

What is the highest CD rate at Unison Credit Union?

What CD terms does Unison Credit Union offer?

What is the highest savings rate at Unison Credit Union?

What is the highest money market rate at Unison Credit Union?

What is the highest checking rate at Unison Credit Union?

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

What is the lowest auto loan rate at Unison Credit Union?

What is the lowest credit card APR at Unison Credit Union?

How many branches does Unison Credit Union operate?

Is a member application needed to join Unison Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unison 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 Unison Credit Union rates compare?

Current Unison Credit Union Rates

Compare to Other Credit Unions