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Unite Credit Union

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Unite Credit Union Rates & Review November 2026

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

Current rates for Unite Credit Union include: 12-Month CD: 1.75%, 24-Month CD: 1.50%, Savings: 0.10%, MMA: 1.85%

Q: What CD terms does Unite Credit Union offer?

Unite Credit Union CD rates are 2.25% APY for a 3 month CD, 2.00% APY for a 6 month CD, 1.75% APY for a 12 month CD, 1.50% APY for a 2 year CD and 1.25% APY for a 3 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 Unite Credit Union for its full lineup.

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.

Content reviewed by

Brian McKay

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

Unite Credit Union's 3-Month CD rates are at 2.25%, 6-Month CD rates are at 2.00%, 12 Month CD rates are at 1.75%, 24-Month CD rates are at 1.50%, 36-Month CD rates are at 1.25%. Unite Credit Union's savings rates are at 0.10%. Unite Credit Union's money market rates are at 1.85%. Unite Credit Union's checking rates are as high as 0.05%. Unite Credit Union's Auto Loan Rates are as low as 4.54%. Unite Credit Union's CD rates are 34% lower than the MonitorBankRates national average, and it has an A health rating. 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 12.08%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.08%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Unite Credit Union
Unite Credit Union

403 Washington St
Cedar Falls, IA 50613

https://unite-cu.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.

Unite Credit Union CD Rates

Product	Rate	APY	Term
3-Month Certificate	2.231%	2.25%	3 months
Min Balance $500 Details Open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
6-Month Certificate	1.985%	2.00%	6 months
Min Balance $1,000 Details Open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
12 Month Certificate	1.739%	1.75%	12 months
Min Balance $1,000 Details Open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
24-Month Certificate	1.492%	1.50%	24 months
Min Balance $1,000 Details Open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
36-Month Certificate	1.244%	1.25%	36 months
Min Balance $1,000 Details Open online Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Savings Rates

Product	Rate	APY
Christmas Club (S4)	0.10%	0.10%
Min Balance $100 Details Open online; No deposit required to open; $100 minimum balance to earn dividends; Fees could reduce earnings on account; Rates may vary after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
IRA Share Savings (S9, S10, S11, S12)	0.10%	0.10%
Min Balance $100 Details Open online; $100 minimum balance to earn dividends; Rates may vary after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Secondary Savings (S2)	0.10%	0.10%
Min Balance $100 Details Open online; No deposit required to open; $100 minimum balance to earn dividends; Fees could reduce earnings on account; Rates may vary after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Share Savings (S1)	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Open online; Requires $5.00 to open; $100 minimum balance to earn dividends; Fees could reduce earnings on account; Rates may vary after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Money Market Rates

Product	Rate	APY
Money Market (S7)	1.85%	1.85%
Min Deposit $1,000 Min Balance $100,000 Details Open online; Balance: $100,000.00 and over; Min. deposit of $1,000 to open & earn dividends; Dividend rate automatically increases when you reach the next tier; Maximum of 6 withdrawals and transfers per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.65%	1.65%
Min Deposit $1,000 Min Balance $50,000 Details Open online; Balance: $50,000.00 - 99,999.99; Min. deposit of $1,000 to open & earn dividends; Dividend rate automatically increases when you reach the next tier; Maximum of 6 withdrawals and transfers per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.45%	1.45%
Min Deposit $1,000 Min Balance $25,000 Details Open online; Balance: $25,000.00 - 49,999.99; Min. deposit of $1,000 to open & earn dividends; Dividend rate automatically increases when you reach the next tier; Maximum of 6 withdrawals and transfers per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.15%	1.15%
Min Deposit $1,000 Min Balance $1,000 Details Open online; Balance: $1,000.00 - $24,999.99; Min. deposit of $1,000 to open & earn dividends; Dividend rate automatically increases when you reach the next tier; Maximum of 6 withdrawals and transfers per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (S5)	0.05%	0.05%
Min Balance $500 Details Open online; $500 minimum balance to earn dividends; Fees could reduce earnings on account; Rates may vary after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 60 Month Fully Amortized	-	-	5.74%	60 months
Details As Low As; Advance: 90% AVM or Appraised Value; Minimum credit score required for financing; Apply now Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Line of Credit	-	-	6.00%
Details As Low As; Relationship Discount; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Add 2% to Home Equity Line of Credit for LTV over 90%; Fixed APR Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Line of Credit	-	-	6.25%
Details As Low As; Advance Amount: 80% AVM or Appraised Value; Add 2% to Home Equity Line of Credit for LTV over 90%; Fixed APR; AVM = Automated Valuation Model Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 120 Month Fully Amortized	-	-	6.74%	120 months
Details As Low As; Advance: 90% AVM or Appraised Value; Minimum credit score required for financing; Apply now Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 121-180 Month Fully Amortized	-	-	6.94%	121-180 months
Details Add 2% to 5-year or 10-year fixed Home Equity for LTV over 90%; Advance: 90% AVM or Appraised Value; Minimum credit score required for financing; Apply now Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 181-240 Fully Amortized	-	-	7.69%	181-240 months
Details As Low As; Advance: 90% AVM or Appraised Value; Minimum credit score required for financing; Apply now Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - Relationship Rate	-	-	4.54%	Up to 48 Months
Details As Low As; Model Year: 2024 or Newer; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year - Relationship Rate	-	-	4.64%	Up to 48 Months
Details As Low As; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan - Relationship Rate	-	-	4.64%	60 Months
Details As Low As; Model Year: 2024 or Newer; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - Relationship Rate	-	-	4.74%	Up to 48 Months
Details Qualifications Required: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2022; Relationship Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.84% → 4.74% ▼ 0.10 pts · high 4.84% / low 4.74% Oct 19, 20264.74%▼ from 4.84% Oct 13, 20264.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year - Relationship Rate	-	-	4.74%	60 Months
Details As Low As; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan - Relationship Rate	-	-	4.74%	61-72 Months
Details As Low As; Model Year: 2024 or Newer; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan	-	-	4.79%	Up to 48 Months
Details As Low As; Model Year: 2024 or Newer; 100% of NADA Retail; Payment example: $30,000 vehicle, 100% RTL, 60 months, 4.80% APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model - Relationship Rate	-	-	4.84%	Up to 48 Months
Details As Low As; Model Year: 2021; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - Relationship Rate	-	-	4.84%	60 Months
Details Qualifications Required: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2022; Relationship Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.94% → 4.84% ▼ 0.10 pts · high 4.94% / low 4.84% Oct 19, 20264.84%▼ from 4.94% Oct 13, 20264.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year - Relationship Rate	-	-	4.84%	72 Months
Details As Low As; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan - Relationship Rate	-	-	4.84%	84 Months
Details As Low As; Model Year: 2024 or Newer; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year	-	-	4.89%	Up to 48 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan	-	-	4.89%	60 Months
Details As Low As; Model Year: 2024 or Newer; 100% of NADA Retail; Payment example: $30,000 vehicle, 100% RTL, 60 months, 4.80% APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model - Relationship Rate	-	-	4.94%	60 Months
Details As Low As; Model Year: 2021; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 - Relationship Rate	-	-	4.94%	Up to 48 Months
Details As Low As; Model Year: 2020; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - Relationship Rate	-	-	4.94%	72 Months
Details Qualifications Required: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2022; Relationship Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.14% → 4.94% ▼ 0.20 pts · high 5.14% / low 4.94% Oct 19, 20264.94%▼ from 5.14% Oct 13, 20265.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year - Relationship Rate	-	-	4.94%	84 Months
Details As Low As; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year	-	-	4.99%	60 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan	-	-	4.99%	61-72 Months
Details As Low As; Model Year: 2024 or Newer; 100% of NADA Retail; Payment example: $30,000 vehicle, 100% RTL, 60 months, 4.80% APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 - Relationship Rate	-	-	5.04%	60 Months
Details As Low As; Model Year: 2020; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - Relationship Rate	-	-	5.04%	Up to 48 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2019; Relationship Rate Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.84% → 5.04% ▲ 0.20 pts · high 5.04% / low 4.74% Oct 26, 20265.04%▲ from 4.74% Oct 19, 20264.74%▼ from 4.84% Oct 13, 20264.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model	-	-	5.09%	Up to 48 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2021 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year	-	-	5.09%	72 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Auto Loan	-	-	5.09%	84 Months
Details As Low As; Model Year: 2024 or Newer; 100% of NADA Retail; Payment example: $30,000 vehicle, 100% RTL, 60 months, 4.80% APR Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model - Relationship Rate	-	-	5.14%	72 Months
Details As Low As; Model Year: 2021; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans - Relationship Rate	-	-	5.14%	Up to 36 Months
Details As Low As; Model Year: 2018; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - Relationship Rate	-	-	5.14%	84 Months
Details Qualifications Required: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2022; Relationship Rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - Relationship Rate	-	-	5.14%	60 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2019; Relationship Rate Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 4.94% → 5.14% ▲ 0.20 pts · high 5.14% / low 4.84% Oct 26, 20265.14%▲ from 4.84% Oct 19, 20264.84%▼ from 4.94% Oct 13, 20264.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model	-	-	5.19%	60 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2021 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 (100% of NADA Retail)	-	-	5.19%	Up to 48 Months
Details As Low As; Model Year: 2020; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 2023 Model Year	-	-	5.19%	84 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans - Relationship Rate	-	-	5.24%	48 Months
Details As Low As; Model Year: 2018; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Apply now! Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.04% → 5.24% ▲ 0.20 pts · high 5.24% / low 5.04% Oct 26, 20265.24%▲ from 5.04% Oct 13, 20265.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year - Relationship Rate	-	-	5.24%	Up to 36 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; As Low As; Relationship Rate; Model Year 2017; Member will lose discount if cancel or terminate any qualifications Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 - Relationship Rate	-	-	5.24%	72 Months
Details As Low As; Model Year: 2020; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 (100% of NADA Retail)	-	-	5.29%	60 Months
Details As Low As; Model Year: 2020; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans	-	-	5.29%	Up to 48 Months
Details As Low As; Model Year: 2019; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 5.45% → 5.29% ▼ 0.16 pts · high 5.45% / low 4.89% Oct 26, 20265.29%▼ from 5.34% Oct 19, 20265.34%▲ from 4.89% Sep 22, 20264.89%▼ from 5.45% Sep 14, 20265.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year - Relationship Rate	-	-	5.34%	48 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; As Low As; Relationship Rate; Model Year 2017; Member will lose discount if cancel or terminate any qualifications Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - Relationship Rate	-	-	5.34%	72 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; As Low As; Model Year: 2019; Relationship Rate Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 5.14% → 5.34% ▲ 0.20 pts · high 5.34% / low 4.94% Oct 26, 20265.34%▲ from 4.94% Oct 19, 20264.94%▼ from 5.14% Oct 13, 20265.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loan - 2021 Model	-	-	5.39%	72 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year: 2021 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans	-	-	5.39%	Up to 36 Months
Details As Low As; Model Year: 2018; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan	-	-	5.39%	84 Months
Details As Low As; Model Year: 2022; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.19% → 5.39% ▲ 0.20 pts · high 5.39% / low 5.19% Oct 19, 20265.39%▲ from 5.19% Sep 18, 20265.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans - Relationship Rate	-	-	5.44%	66 Months
Details As Low As; Model Year: 2018; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year - Relationship Rate	-	-	5.44%	60 Months
Details Qualifications Required: Three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; As Low As; Relationship Rate; Model Year 2017; Member will lose discount if cancel or terminate any qualifications Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans	-	-	5.49%	48 Months
Details As Low As; Model Year: 2018; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.29% → 5.49% ▲ 0.20 pts · high 5.49% / low 5.29% Oct 26, 20265.49%▲ from 5.29% Oct 13, 20265.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year	-	-	5.49%	Up to 36 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year 2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2020 (100% of NADA Retail)	-	-	5.49%	72 Months
Details As Low As; Model Year: 2020; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year	-	-	5.59%	48 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year 2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans	-	-	5.59%	72 Months
Details As Low As; Model Year: 2019; 100% of NADA Retail (RTL) Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 5.10% → 5.59% ▲ 0.49 pts · high 5.59% / low 5.09% Oct 26, 20265.59%▲ from 5.09% Sep 22, 20265.09%▼ from 5.10% Sep 14, 20265.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Auto Loans	-	-	5.69%	66 Months
Details As Low As; Model Year: 2018; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loan - 2017 Model Year	-	-	5.69%	60 Months
Details As Low As; 100% of NADA Retail (RTL); Model Year 2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 2016 and older - Relationship Rate	-	-	7.29%	Up to 36 Months
Details As Low As; Model Year: 2016 and older; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Apply now! Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 2016 and older - Relationship Rate	-	-	7.34%	48 Months
Details As Low As; Model Year: 2016 and older; Relationship Rate; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications; Apply now! Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 2016 and older	-	-	7.54%	Up to 36 Months
Details As Low As; Model Year: 2016 and older; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 2016 and older	-	-	7.59%	48 Months
Details As Low As; Model Year: 2016 and older; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 2016 and older	-	-	7.79%	60 Months
Details As Low As; Model Year: 2016 and older; 100% of NADA Retail (RTL); Apply now! Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Motor Homes, Boats and Travel Trailers - Relationship Rate Loan	-	5.99%	60 Months
Details As Low As; Relationship Rate; Loan Amount: Up to $10,000; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.; Apply now! 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: 12.08%
New & Used Motor Homes, Boats and Travel Trailers - Relationship Rate Loan	-	6.24%	Up to 72 Months
Details As Low As; Relationship Rate; Loan Amount: $10,001-$15,000; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.24%	60 Months
Details As Low As; 90% of NADA Retail (RTL); Loan Amount: Up to $10,000; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers - Relationship Rate Loan	-	6.49%	Up to 96 Months
Details As Low As; Relationship Rate; Loan Amount: $15,001-$25,000; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.; Apply now! 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: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.49%	Up to 72 Months
Details As Low As; 90% of NADA Retail (RTL); Loan Amount: $10,001-$15,000; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.74%	Up to 96 Months
Details As Low As; 90% of NADA Retail (RTL); Loan Amount: $15,001-$25,000; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers - Relationship Rate Loan	-	6.99%	Up to 120 Months
Details As Low As; Relationship Rate; Loan Amount: $25,001 -$50,000; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.; Apply now! 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: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	7.24%	Up to 120 Months
Details As Low As; 90% of NADA Retail (RTL); Loan Amount: $25,001 -$50,000; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers - Relationship Rate Loan	-	7.49%	180 Months
Details As Low As; Relationship Rate; Loan Amount: $50,000 and Up; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	7.74%	180 Months
Details As Low As; 90% of NADA Retail (RTL); Loan Amount: $50,000 and Up; Apply now! Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Loans	-	-	8.60%	Up to 36 Months
Details As Low As; Model Year: 2023-Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.35% → 8.60% ▲ 0.25 pts · high 8.60% / low 8.35% Oct 13, 20268.60%▲ from 8.35% Sep 14, 20268.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Consumer Loans	-	-	9.60%	37 to 48 Months
Details As Low As; Model Year: 2023-Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Consumer Loans	-	-	8.35%	Up to 36 Months
Details As Low As; Relationship Rate; Model Year: 2023-Newer; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 8.35% → 8.35% ▼ 0.00 pts · high 8.60% / low 8.35% Oct 26, 20268.35%▼ from 8.60% Oct 13, 20268.60%▲ from 8.35% Sep 14, 20268.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Consumer Loans	-	-	9.35%	37 to 48 Months
Details As Low As; Relationship Rate; Model Year: 2023-Newer; Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments; Member will lose discount if cancel or terminate any qualifications Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 9.60% → 9.35% ▼ 0.25 pts · high 9.60% / low 9.35% Oct 26, 20269.35%▼ from 9.60% Oct 13, 20269.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan	-	-	8.25%	Up to 12 Months
Details As Low As; Maximum limit of $15,000.00; Cross-Collateralized Loans (Personal Loans) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan	-	-	8.45%	13 to 24 Months
Details As Low As; Maximum limit of $15,000.00; Cross-Collateralized Loans (Personal Loans) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan	-	-	8.70%	25 to 36 Months
Details As Low As; Maximum limit of $15,000.00; Cross-Collateralized Loans (Personal Loans) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan	-	-	9.70%	37 to 48 Months
Details As Low As; Maximum limit of $15,000.00; Applicant must meet Credit Score Qualifications; Cross-Collateralized Loans (Personal Loans) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan	-	-	10.70%	Up to 60 Months
Details As Low As; Maximum limit of $15,000.00; Applicant must meet Credit Score Qualifications; Cross-Collateralized Loans (Personal Loans) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan - Relationship Rate	-	-	8.00%	Up to 12 Months
Details As Low As; Maximum limit of $15,000.00; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan - Relationship Rate	-	-	8.20%	13 to 24 Months
Details As Low As; Maximum limit of $15,000.00; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan - Relationship Rate	-	-	9.45%	37 to 48 Months
Details As Low As; Maximum limit of $15,000.00; Applicant must meet Credit Score Qualifications; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loan - Relationship Rate	-	-	10.45%	Up to 60 Months
Details As Low As; Maximum limit of $15,000.00; Applicant must meet Credit Score Qualifications; Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loan	-	-	7.44%	60 months
Details As Low As; LTV up to 133% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.64% → 7.44% ▼ 0.20 pts · high 7.64% / low 7.44% Oct 13, 20267.44%▼ from 7.64% Sep 14, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loan	-	-	8.19%	120 months
Details As Low As; LTV up to 133% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.20% → 8.19% ▼ 0.01 pts · high 8.20% / low 8.19% Oct 13, 20268.19%▼ from 8.20% Sep 14, 20268.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loan - Relationship Rate	-	-	7.19%	60 months
Details As Low As; LTV up to 133%; Relationship Rate: member must have three of GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loan - Relationship Rate	-	-	7.94%	120 months
Details As Low As; LTV up to 133%; Relationship Rate: member must have three of GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Rapid Cash Loan	-	-	18.99%	Up to 6 months
Details Loan amount: $1,000; Fixed Rate APR; Upfront $30 application fee; Eligibility: six months of membership with accounts in good standing, UNITE checking account and direct deposit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.499%	-	0.50%
Min Balance $0 Details Balance: $0.00- $199.99; Open online Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.747%	-	0.75%
Min Balance $200 Details Balance: $200.00-$399.99; Open online Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.996%	-	1.00%
Min Balance $400 Details Balance: $400.00- $999.99; Open online Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	1.244%	-	1.25%
Min Balance $1,000 Details Balance: $1000.00- plus; Open online Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

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.
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Financial Health History

Unite Credit Union’s Texas Ratio rose from 3.87% in Q3 2023 to 12.08% 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	$24M	12.08%	5.0	A
March 31, 2026	$24M	0.00%	5.0	A+
December 31, 2025	$23M	5.31%	5.0	A+
September 30, 2025	$22M	1.32%	5.0	A+
June 30, 2025	$22M	1.46%	5.0	A+
March 31, 2025	$22M	2.39%	5.0	A+
December 31, 2024	$22M	4.18%	5.0	A+
September 30, 2024	$21M	5.03%	5.0	A+
June 30, 2024	$22M	3.43%	5.0	A+
March 31, 2024	$23M	2.82%	5.0	A+
December 31, 2023	$23M	4.76%	5.0	A+
September 30, 2023	$24M	3.87%	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 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 403 Washington St, Cedar Falls, IA 50613

Phone 319-273-2479

Fax 319-266-3761

President Gayle Pohl

CEO Miguel Reyes

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.08%

Return on Assets (ROA)

-0.1127%

Return on Equity (ROE)

-0.9533%

Non-Performing Loans Ratio (NPL)

3.42%

Total Assets

23,631,511

Total Amount of Shares and Deposits

20,650,385

Total Shares and Deposits < 1 Year

19,996,567

Total Shares and Deposits 1 3 Years

653,816

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

12,617

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

12,617

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

20,637,768

Total Interest Expense (Sum of items 6 8)

106,427

Share Certificates

247

Number of Accounts for Share Drafts

877

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,851

Money Market Shares

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

-23,618

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)

2,561,937

Total Liabilities

20,837,437

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Unite 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.

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Frequently Asked Questions About Unite Credit Union

Does Unite Credit Union offer CDs?

Yes. Unite Credit Union current CD rates include its 3-Month CD at 2.25% APY, its 6-Month CD at 2.00% APY and its 12 Month CD at 1.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Unite Credit Union NCUA insured?

Yes. Unite 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 Unite Credit Union?

The highest Unite Credit Union CD rate is its 3-Month CD at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Unite Credit Union offer?

Unite Credit Union CD rates are 2.25% APY for a 3 month CD, 2.00% APY for a 6 month CD, 1.75% APY for a 12 month CD, 1.50% APY for a 2 year CD and 1.25% APY for a 3 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 Unite Credit Union for its full lineup.

What is the highest savings rate at Unite Credit Union?

The highest Unite Credit Union savings rate is its IRA Savings (S9, S10, S11, S12) at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Unite Credit Union money market rate is its Money Market (S7) at 1.85% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Unite Credit Union auto loan rate is its New Auto Loan - Relationship Rate at 4.54% APR, verified by MonitorBankRates as of October 29, 2026.

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/.

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 Unite Credit Union rates compare?

Unite Credit Union's CD rates are 34% lower than the MonitorBankRates national average, and it has an A health rating. Unite Credit Union's top rates are its 3-Month CD at 2.25% APY, its IRA Savings (S9, S10, S11, S12) at 0.10% APY, its Money Market (S7) at 1.85% APY, its Share Draft (S5) at 0.05% APY and its New Auto Loan - Relationship Rate at 4.54% APR, verified by MonitorBankRates on October 29, 2026.

Current Unite Credit Union Rates

12-Month CD1.75%
24-Month CD1.50%
Savings0.10%
MMA1.85%

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

Compare to Other Credit Unions

Unite Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Unite Credit Union CD Rates

Unite Credit Union Savings Rates

Unite Credit Union Money Market Rates

Unite Credit Union Checking Rates

Unite Credit Union Home Equity & HELOC

Unite Credit Union Auto Loan Rates

Unite Credit Union RV, Boat and Powersport Loan Rates

Unite Credit Union Other Rates

Financial Health History

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Credit Union Profile & Overview

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Unite Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unite Credit Union

Does Unite Credit Union offer CDs?

Are CDs from Unite Credit Union NCUA insured?

What is the highest CD rate at Unite Credit Union?

What CD terms does Unite Credit Union offer?

What is the highest savings rate at Unite Credit Union?

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

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

How many branches does Unite Credit Union operate?

Is a member application needed to join Unite Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unite 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 Unite Credit Union rates compare?

Current Unite Credit Union Rates

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