|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Community Credit Union Rates & Review November 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 and Verified: October 29, 2026
United Community Credit Union's CD of Deposit - 60 month rates are at 2.48%, CD of Deposit - 48 month rates are at 2.43%, CD of Deposit - 36 month rates are at 2.38%, CD of Deposit - 24 month rates are at 2.32%, CD of Deposit - 12 month rates are at 2.27%. United Community Credit Union's savings rates are at 1.06%. United Community Credit Union's Auto Loan Rates are as low as 5.99%. United Community Credit Union's CD rates are 19% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of United Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.91%. Rates last updated and verified on 10/29/2026. United Community 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 Community Credit Union? Share your experience about United Community Credit Union by leaving a review below, or read customer reviews before you decide to use United Community Credit Union. United Community Credit Union
United Community Credit Union 621 N 36th St
https://www.myuccu.com Quincy, IL 62301-4605  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. United Community Credit Union CD Rates
United Community Credit Union Savings Rates
United Community Credit Union Home Equity & HELOC
United Community Credit Union Auto Loan Rates
United Community Credit Union Personal Loan Rates
United Community Credit Union Other Rates
Financial Health HistoryUnited Community Credit Union’s Texas Ratio stayed near 1.64% in Q3 2023 to 1.91% 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
Powered by
MonitorBankRates
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 Community 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 Community 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 Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Community Credit Union
Website
https://www.myuccu.com
Address
621 N 36th St,
Quincy, IL 62301-4605
Phone
217-224-1093
Fax
President
Andrew Doellman
CEO
Sarah Distin
Full-Time Employees
36
Part-Time Employees
9
Branch Locations
3
ATM Locations
3
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
1.91%
Return on Assets (ROA)
0.5266%
Return on Equity (ROE)
3.4167%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
134,130,939
Total Amount of Shares and Deposits
113,153,057
Total Shares and Deposits < 1 Year
111,296,291
Total Shares and Deposits 1 3 Years
1,339,276
Total Shares and Deposits > 3 Years
517,490
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,577,255
Total Uninsured Shares and Deposits > $250K (F+J)
2,577,255
Total Insured Shares and Deposits > $250K (item 17 less item K)
110,575,802
Total Interest Expense (Sum of items 6 8)
685,069
Share Certificates
738
Number of Accounts for Share Drafts
5,841
IRA KEOGH Accounts
343
Number of Accounts for Regular Shares
12,498
Net Income (unless the amount is already included in Undivided Earnings)
706,383
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)
8,371,646
Total Liabilities
113,468,530
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for United Community 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.
Add Your Rating and Review for United Community Credit Union
Frequently Asked Questions About United Community Credit UnionDoes United Community Credit Union offer CDs?Yes. United Community Credit Union current CD rates include its CD of Deposit - 60 month at 2.48% APY, its CD of Deposit - 48 month at 2.43% APY and its CD of Deposit - 36 month at 2.38% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from United Community Credit Union NCUA insured?Yes. United Community 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 United Community Credit Union?The highest United Community Credit Union CD rate is its IRA CD - 13 Month Special at 4.08% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does United Community Credit Union offer?United Community Credit Union CD rates are 2.27% APY for a 12 month CD, 2.32% APY for a 2 year CD, 2.38% APY for a 3 year CD, 2.43% APY for a 4 year CD and 2.48% 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 United Community Credit Union for its full lineup. What is the highest savings rate at United Community Credit Union?The highest United Community Credit Union savings rate is its Christmas Club Savings at 1.06% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at United Community Credit Union?The lowest United Community Credit Union auto loan rate is its New or Used Car, Truck Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at United Community Credit Union?The lowest United Community Credit Union personal loan rate is its Personal Auto, New at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does United Community Credit Union operate?United Community 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 Community Credit Union?Yes, to access services at United Community 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 Community 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 Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Community Credit Union offer online and mobile banking?Most modern institutions like United Community 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.myuccu.com. 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 United Community Credit Union rates compare?United Community Credit Union's CD rates are 19% lower than the MonitorBankRates national average, and it has an A+ health rating. United Community Credit Union's top rates are its IRA CD - 13 Month Special at 4.08% APY, its Christmas Club Savings at 1.06% APY and its Personal Auto, New at 5.99% APR, verified by MonitorBankRates on October 29, 2026. Current United Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Jackson River Community Credit Union
TruChoice Federal Credit Union
Heritage Family Federal Credit Union
Everence Federal Credit Union
Miami Postal Service Credit Union
Kenosha Police and Firemens Credit Union
Pacific NW Federal Credit Union
California Coast Credit Union
Rave Financial Credit Union
Erie Firefighters Federal Credit Union
Acme Federal Credit Union
School District 3 Federal Credit Union
SunWest Federal Credit Union
New Century Federal Credit Union
Delancey Street Federal Credit Union
Treasury Employees Federal Credit Union
Affinity Credit Union
Hoboken N J Police Federal Credit Union
Wellspring Federal Credit Union
TLCU Financial Credit Union
East River Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
