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United Equity Credit Union

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United Equity Credit Union Rates & Review June 2026

Q: Is a member application needed to join United Equity Credit Union?

Yes, to access services at United Equity 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Equity Credit Union 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: June 25, 2026

You can compare United Equity Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.60%, 6-month share certificate rates at 0.00% and 3-month share certificate rates at 0.95%. Savings rates are at 0.10% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to United Equity Credit Union rates. MonitorBankRates evaluates the financial stability of United Equity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.99%. Rates were last updated on 06/25/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.99%

Excellent Lower than avg

United Equity Credit Union
United Equity Credit Union

1130 E Pershing Rd
Decatur, IL 62526

https://www.uecu.com

Current Rate Availability

We do not have United Equity Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Equity 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 Equity 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 Equity Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Equity Credit Union

Website https://www.uecu.com

Address 1130 E Pershing Rd, Decatur, IL 62526

Phone 217-875-1845

Fax 217-875-3648

President Bev Millburg

CEO Ann Wildman

Full-Time Employees 15

Part-Time Employees 4

Branch Locations 3

ATM Locations 2

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

2.99%

Return on Assets (ROA)

1.1872%

Return on Equity (ROE)

6.9649%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

68,819,207

Total Amount of Shares and Deposits

56,919,514

Total Shares and Deposits < 1 Year

56,427,453

Total Shares and Deposits 1 3 Years

445,449

Total Shares and Deposits > 3 Years

46,612

Total Interest Expense (Sum of items 6 8)

373,293

Share Certificates

184

Number of Accounts for Share Drafts

2,255

Number of Accounts for Regular Shares

7,115

Money Market Shares

129

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

816,992

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,127,928

Total Liabilities

57,088,986

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

United Equity Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About United Equity Credit Union

How many branches does United Equity Credit Union operate?

United Equity 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 Equity Credit Union?

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

Does United Equity Credit Union offer online and mobile banking?

Most modern institutions like United Equity 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.uecu.com.