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United Credit Union Council Bluffs, IA

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United Credit Union Council Bluffs, IA Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Credit Union Council Bluffs, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

United Credit Union Council Bluffs, IA's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of United Credit Union Council Bluffs, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates were last updated on 03/29/2026.

United Credit Union Council Bluffs, IA 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 Council Bluffs, IA? Share your experience about United Credit Union Council Bluffs, IA by leaving a review below, or read customer reviews before you decide to use United Credit Union Council Bluffs, IA.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.05%

Excellent Lower than avg

United Credit Union Council Bluffs, IA
United Credit Union

1900 W Broadway
Council Bluffs, IA 51501

https://www.unitedcreditunion.org

United Credit Union Council Bluffs, IA Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loans	-	-	4.50%
No additional details. Last Updated 03/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Credit Union Council Bluffs, IA 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 Council Bluffs, IA 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 Council Bluffs, IA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Credit Union Council Bluffs, IA

Website https://www.unitedcreditunion.org

Address 1900 W Broadway, Council Bluffs, IA 51501

Phone 712-322-0841

Fax 712-322-0828

President Lindsay Andersen

CEO Andrena MacLeod

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.05%

Return on Assets (ROA)

0.0002%

Return on Equity (ROE)

0.0028%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

18,618,740

Total Amount of Shares and Deposits

17,015,208

Total Shares and Deposits < 1 Year

16,899,392

Total Shares and Deposits 1 3 Years

115,816

Total Insured Shares and Deposits > $250K (item 17 less item K)

17,015,208

Total Interest Expense (Sum of items 6 8)

6,589

Share Certificates

Number of Accounts for Share Drafts

791

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,114

Net Income (unless the amount is already included in Undivided Earnings)

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

874,282

Total Liabilities

17,146,839

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About United Credit Union Council Bluffs, IA

Is United Credit Union Council Bluffs, IA a safe place to deposit money?

Yes, United Credit Union Council Bluffs, IA is considered a safe financial institution. With a Texas Ratio of 1.0476248062879%, 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 Credit Union Council Bluffs, IA operate?

United Credit Union Council Bluffs, IA 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 Council Bluffs, IA?

Yes, to access services at United Credit Union Council Bluffs, IA, 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 Council Bluffs, IA 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 Council Bluffs, IA provides members with tools to manage their accounts and build a solid financial history.

Does United Credit Union Council Bluffs, IA offer online and mobile banking?

Most modern institutions like United Credit Union Council Bluffs, IA 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.org.