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 United Churches Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 9, 2026
United Churches Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 6 Month CD, 0.15% APY on savings, auto loans from 6.49% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other United Churches Credit Union CD rates include CD SPECIAL! - 6 month at 4.00%, Youth CDs - 1 year at 4.00%, and Jumbo CDs - 1 year at 3.81%. MonitorBankRates evaluates the financial stability of United Churches Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.32%. Rates last updated and verified on 10/09/2026. United Churches 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 United Churches Credit Union? Share your experience about United Churches Credit Union by leaving a review below, or read customer reviews before you decide to use United Churches Credit Union. 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. United Churches Credit Union CD Rates
United Churches Credit Union Savings Rates
United Churches Credit Union Home Equity & HELOC
United Churches Credit Union Auto Loan Rates
United Churches Credit Union RV, Boat and Powersport Loan Rates
United Churches Credit Union Credit Card Rates
United Churches Credit Union Personal Loan Rates
United Churches Credit Union Other Rates
Financial Health HistoryUnited Churches Credit Union’s Texas Ratio stayed near 2.64% in Q3 2023 to 2.32% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Churches 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 United Churches 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 United Churches Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Churches Credit Union
Website
https://www.unitedchurchescu.org
Address
20252 Ecorse Rd,
Taylor, MI 48180
Phone
313-382-1340
Fax
313-382-0823
President
Alan Srodawa
CEO
Nicholas Alexander
Full-Time Employees
4
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.32%
Return on Assets (ROA)
0.4320%
Return on Equity (ROE)
4.2005%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
21,905,038
Total Amount of Shares and Deposits
19,538,802
Total Shares and Deposits < 1 Year
18,828,176
Total Shares and Deposits 1 3 Years
632,555
Total Shares and Deposits > 3 Years
78,071
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,196,933
Total Uninsured Shares and Deposits > $250K (F+J)
1,196,933
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,341,869
Total Interest Expense (Sum of items 6 8)
39,086
Share Certificates
107
Number of Accounts for Share Drafts
687
IRA KEOGH Accounts
31
Number of Accounts for Regular Shares
1,339
Money Market Shares
39
Net Income (unless the amount is already included in Undivided Earnings)
94,389
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)
1,887,760
Total Liabilities
19,617,135
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for United Churches Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for United Churches Credit Union
Frequently Asked Questions About United Churches Credit UnionHow many branches does United Churches Credit Union operate?United Churches 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 United Churches Credit Union?Yes, to access services at United Churches 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, United Churches 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, United Churches Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Churches Credit Union offer online and mobile banking?Most modern institutions like United Churches 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.unitedchurchescu.org. Current United Churches Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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