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 United Credit Union Chicago, IL Rates & Review September 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: September 21, 2026
United Credit Union Chicago, IL's 13 Month CD Specials rates are at 5.15%, 25 Month CD Specials rates are at 4.15%, 12 Month Jumbo CDs rates are at 2.00%, 12 Month CDs rates are at 2.00%, 18 Month Jumbo CDs rates are at 2.00%. United Credit Union Chicago, IL's money market rates are at 2.50%. United Credit Union Chicago, IL's Personal Loan Rates are as low as 12.00%. MonitorBankRates evaluates the financial stability of United Credit Union Chicago, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.05%. Rates last updated and verified on 09/21/2026. United Credit Union Chicago, IL 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 Credit Union Chicago, IL? Share your experience about United Credit Union Chicago, IL by leaving a review below, or read customer reviews before you decide to use United Credit Union Chicago, IL. United Credit Union Chicago, IL
Pulaski Office 4444 S Pulaski Rd
https://www.unitedcreditunion.com Chicago, IL 60632-4011 
United Credit Union Chicago, IL CD Rates
United Credit Union Chicago, IL Money Market Rates
United Credit Union Chicago, IL Home Equity & HELOC
United Credit Union Chicago, IL Auto Loan Rates
United Credit Union Chicago, IL Personal Loan Rates
Financial Health HistoryUnited Credit Union Chicago, IL’s Texas Ratio fell from 8.87% in Q2 2023 to 2.05% in Q1 2026, so its financial health has improved and is now very strong 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 Credit Union Chicago, IL 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 Credit Union Chicago, IL 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 Credit Union Chicago, IL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Credit Union Chicago, IL
Address
4444 S Pulaski Rd,
Chicago, IL 60632-4011
Phone
773-376-6000
Fax
President
Phillip Moore
CEO
Mario Aguirre
Full-Time Employees
44
Part-Time Employees
0
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
2.05%
Return on Assets (ROA)
-0.0651%
Return on Equity (ROE)
-0.7775%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
201,182,267
Total Amount of Shares and Deposits
190,137,525
Total Shares and Deposits < 1 Year
189,082,614
Total Shares and Deposits 1 3 Years
1,054,911
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,901,866
Total Uninsured Shares and Deposits > $250K (F+J)
10,901,866
Total Insured Shares and Deposits > $250K (item 17 less item K)
179,235,659
Total Interest Expense (Sum of items 6 8)
544,549
Share Certificates
206
Number of Accounts for Share Drafts
6,512
IRA KEOGH Accounts
176
Number of Accounts for Regular Shares
21,459
Money Market Shares
217
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)
21,783,352
Total Liabilities
192,264,301
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for United Credit Union Chicago, IL yet. Feel free to create one below.
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Add Your Rating and Review for United Credit Union Chicago, IL
Frequently Asked Questions About United Credit Union Chicago, ILHow many branches does United Credit Union Chicago, IL operate?United Credit Union Chicago, IL 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 Credit Union Chicago, IL?Yes, to access services at United Credit Union Chicago, IL, 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 Credit Union Chicago, IL 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 Credit Union Chicago, IL provides members with tools to manage their accounts and build a solid financial history. Does United Credit Union Chicago, IL offer online and mobile banking?Most modern institutions like United Credit Union Chicago, IL 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.unitedcreditunion.com. Current United Credit Union Chicago, IL Rates
Retrieved from our database of financial products. Rates subject to change.
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