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iAdvertiser Disclosure
Advertiser Disclosure
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 United Cities Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
United Cities Credit Union's Regular Term CDs (18-month) rates are at 3.25%. United Cities Credit Union's Personal Loan Rates are at 12.24%. MonitorBankRates evaluates the financial stability of United Cities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates were last updated on 04/19/2026. United Cities 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 Cities Credit Union? Share your experience about United Cities Credit Union by leaving a review below, or read customer reviews before you decide to use United Cities Credit Union. 
United Cities Credit Union CD Rates
United Cities Credit Union Auto Loan Rates
United Cities Credit Union Credit Card Rates
United Cities Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Cities 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 Cities 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 Cities Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Cities Credit Union
Website
https://uc-cu.org/
Address
195 Norman Rd,
Newark, NJ 07106
Phone
973-375-9182
Fax
973-375-1238
President
Mary Hogue
CEO
Richard Garcia
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
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
2.23%
Return on Assets (ROA)
-0.2617%
Return on Equity (ROE)
-2.7694%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
27,233,384
Total Amount of Shares and Deposits
24,796,114
Total Shares and Deposits < 1 Year
24,431,426
Total Shares and Deposits 1 3 Years
364,688
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
207,213
Total Uninsured Shares and Deposits > $250K (F+J)
207,213
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,588,901
Total Interest Expense (Sum of items 6 8)
43,137
Share Certificates
69
Number of Accounts for Share Drafts
977
IRA KEOGH Accounts
43
Number of Accounts for Regular Shares
3,603
Non Member Deposits
2,500
Net Income (unless the amount is already included in Undivided Earnings)
-71,280
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
316,635
Total Liabilities
25,680,993
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About United Cities Credit UnionIs United Cities Credit Union a safe place to deposit money?Yes, United Cities Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2344324052144%, 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 United Cities Credit Union operate?United Cities 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 Cities Credit Union?Yes, to access services at United Cities 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 Cities 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 Cities Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Cities Credit Union offer online and mobile banking?Most modern institutions like United Cities 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://uc-cu.org/. Current United Cities Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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