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iAdvertiser Disclosure
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 United Community Credit Union Houston, Tx 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 30, 2026
United Community Credit Union Houston, Tx's 12 Month CD rates are at 3.44%, 18 Month CD rates are at 3.34%, 6 month 06 Month CD rates are at 3.19%, 24 Month CD rates are at 3.14%, 36 Month CD rates are at 3.08%. United Community Credit Union Houston, Tx's savings rates are at 0.25%. United Community Credit Union Houston, Tx's Personal Loan Rates are as low as 9.69%. United Community Credit Union Houston, Tx's Credit Card Rates are at 11.99%. United Community Credit Union Houston, Tx's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of United Community Credit Union Houston, Tx with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.76%. Rates last updated and verified on 10/30/2026. United Community Credit Union Houston, Tx 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 Houston, Tx? Share your experience about United Community Credit Union Houston, Tx by leaving a review below, or read customer reviews before you decide to use United Community Credit Union Houston, Tx. United Community Credit Union Houston, Tx
Summerwood Financial Center 13700 E Sam Houston Parkway N
https://www.unitedccu.com Houston, TX 77044  Customer Reviews
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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. United Community Credit Union Houston, Tx CD Rates
United Community Credit Union Houston, Tx Savings Rates
United Community Credit Union Houston, Tx Auto Loan Rates
United Community Credit Union Houston, Tx RV, Boat and Powersport Loan Rates
United Community Credit Union Houston, Tx Credit Card Rates
United Community Credit Union Houston, Tx Personal Loan Rates
Financial Health HistoryUnited Community Credit Union Houston, Tx’s Texas Ratio fell from 9.83% in Q3 2023 to 5.76% in Q2 2026, so its financial health has improved 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)
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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 Community Credit Union Houston, Tx 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 Houston, Tx 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 Houston, Tx's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Community Credit Union Houston, Tx
Website
https://www.unitedccu.com
Address
13700 E Sam Houston Parkway N,
Houston, TX 77044
Phone
713-674-5778
Fax
President
Alice Adams
CEO
Mac McDermott
Full-Time Employees
46
Part-Time Employees
2
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.76%
Return on Assets (ROA)
0.4616%
Return on Equity (ROE)
3.8359%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
127,910,923
Total Amount of Shares and Deposits
112,619,900
Total Shares and Deposits < 1 Year
108,889,774
Total Shares and Deposits 1 3 Years
1,523,557
Total Shares and Deposits > 3 Years
2,206,569
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,927,518
Total Uninsured Shares and Deposits > $250K (F+J)
2,927,518
Total Insured Shares and Deposits > $250K (item 17 less item K)
109,692,382
Total Interest Expense (Sum of items 6 8)
466,372
Share Certificates
592
Number of Accounts for Share Drafts
10,240
IRA KEOGH Accounts
219
Number of Accounts for Regular Shares
14,299
Non Member Deposits
6
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)
8,933,125
Total Liabilities
113,125,423
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About United Community Credit Union Houston, TxDoes United Community Credit Union Houston, Tx offer CDs?Yes. United Community Credit Union Houston, Tx current CD rates include its 12 Month CD at 3.444% APY, its 18 Month CD at 3.341% APY and its 6 month 06 Month CD at 3.187% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from United Community Credit Union Houston, Tx NCUA insured?Yes. United Community Credit Union Houston, Tx 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 Houston, Tx?The highest United Community Credit Union Houston, Tx CD rate is its 12 Month CD at 3.444% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does United Community Credit Union Houston, Tx offer?United Community Credit Union Houston, Tx CD rates are 3.187% APY for a 6 month CD, 3.444% APY for a 12 month CD, 3.341% APY for an 18 month CD, 3.14% APY for a 2 year CD, 3.085% APY for a 3 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with United Community Credit Union Houston, Tx for its full lineup. What is the highest savings rate at United Community Credit Union Houston, Tx?The highest United Community Credit Union Houston, Tx savings rate is its Savings Accounts at 0.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at United Community Credit Union Houston, Tx?The lowest United Community Credit Union Houston, Tx auto loan rate is its Vehicles (New and Used) Loan at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at United Community Credit Union Houston, Tx?The lowest United Community Credit Union Houston, Tx personal loan rate is its Signature Loan at 9.69% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at United Community Credit Union Houston, Tx?The lowest United Community Credit Union Houston, Tx credit card APR is its VISA Platinum Credit Card at 11.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does United Community Credit Union Houston, Tx operate?United Community Credit Union Houston, Tx 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 Houston, Tx?Yes, to access services at United Community Credit Union Houston, Tx, 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 Houston, Tx 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 Houston, Tx provides members with tools to manage their accounts and build a solid financial history. Does United Community Credit Union Houston, Tx offer online and mobile banking?Most modern institutions like United Community Credit Union Houston, Tx 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.unitedccu.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 Houston, Tx rates compare?United Community Credit Union Houston, Tx's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. United Community Credit Union Houston, Tx's top rates are its 12 Month CD at 3.444% APY, its Savings Accounts at 0.25% APY, its Signature Loan at 9.69% APR and its VISA Platinum Credit Card at 11.99% APR, verified by MonitorBankRates on October 30, 2026. Current United Community Credit Union Houston, Tx Rates
Retrieved from our database of financial products. Rates subject to change.
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