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Unite Credit Union

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Unite Credit Union Rates & Review April 2026

Q: How many branches does Unite Credit Union operate?

Unite 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.

Q: Is a member application needed to join Unite Credit Union?

Yes, to access services at Unite 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.

Q: Is there a first-time homebuyer program?

Currently, Unite 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Unite Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 13, 2026

Unite Credit Union's Personal Loan Rates are at 4.64%. MonitorBankRates evaluates the financial stability of Unite Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates were last updated on 04/13/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.37%

Excellent Lower than avg

Unite Credit Union
Unite Credit Union

802 W 29th St
Cedar Falls, IA 50613 5022

https://unite-cu.org/

Unite Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan 2024 Or Newer	-	-	4.64%
Details RELATIONSHIP RATE Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Auto Loan 2022	-	-	4.84%
Details Relationship Rate Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

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

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Unite Credit Union

Website https://unite-cu.org/

Address 802 W 29th St, Cedar Falls, IA 50613 5022

Phone 319-273-2479

Fax 319-266-3761

President Gayle Pohl

CEO Miguel Reyes

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

1.37%

Return on Assets (ROA)

0.6101%

Return on Equity (ROE)

4.7078%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

22,065,410

Total Amount of Shares and Deposits

19,144,834

Total Shares and Deposits < 1 Year

18,285,845

Total Shares and Deposits 1 3 Years

852,315

Total Shares and Deposits > 3 Years

6,675

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

17,130

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

17,130

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

19,127,704

Total Interest Expense (Sum of items 6 8)

124,040

Share Certificates

236

Number of Accounts for Share Drafts

888

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,832

Money Market Shares

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

134,785

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,032,798

Total Liabilities

19,212,901

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Unite Credit Union

Is Unite Credit Union a safe place to deposit money?

Yes, Unite Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3680661701736%, 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 Unite Credit Union operate?

Unite 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 Unite Credit Union?

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

Does Unite Credit Union offer online and mobile banking?

Most modern institutions like Unite 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://unite-cu.org/.