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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 Equity 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.
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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 Equity Credit Union's 60 Month CD rates are at 4.75%, 36 Month CD rates are at 4.45%, 11 Month CD rates are at 4.15%, 12 Month CD rates are at 3.50%, 6 Month CD rates are at 3.50%. United Equity Credit Union's money market rates are at 1.21%. United Equity Credit Union's checking rates are as high as 4.00%. United Equity Credit Union's Personal Loan Rates are as low as 7.50%. United Equity Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.71%. Rates last updated and verified on 10/30/2026. 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. United Equity Credit Union
United Equity Credit Union 1130 E Pershing Rd
https://www.uecu.com Decatur, IL 62526 Privately insuredNot NCUA 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 Equity Credit Union CD Rates
United Equity Credit Union Savings Rates
United Equity Credit Union Money Market Rates
United Equity Credit Union Checking Rates
United Equity Credit Union Home Equity & HELOC
United Equity Credit Union Auto Loan Rates
United Equity Credit Union RV, Boat and Powersport Loan Rates
United Equity Credit Union Personal Loan Rates
United Equity Credit Union Other Rates
Financial Health HistoryUnited Equity Credit Union’s Texas Ratio fell from 4.01% in Q3 2023 to 0.71% in Q2 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. 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
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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 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
3
Branch Locations
2
ATM Locations
1
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.71%
Return on Assets (ROA)
0.8391%
Return on Equity (ROE)
4.4966%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
66,188,638
Total Amount of Shares and Deposits
53,658,606
Total Shares and Deposits < 1 Year
53,003,479
Total Shares and Deposits 1 3 Years
638,112
Total Shares and Deposits > 3 Years
17,015
Total Interest Expense (Sum of items 6 8)
201,168
Share Certificates
227
Number of Accounts for Share Drafts
2,214
Number of Accounts for Regular Shares
6,533
Money Market Shares
123
Net Income (unless the amount is already included in Undivided Earnings)
555,408
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)
5,719,707
Total Liabilities
53,836,865
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for United Equity Credit Union
Frequently Asked Questions About United Equity Credit UnionDoes United Equity Credit Union offer CDs?Yes. United Equity Credit Union current CD rates include its 60 Month CD at 4.75% APY, its 36 Month CD at 4.45% APY and its 11 Month CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from United Equity Credit Union NCUA insured?No. United Equity Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at United Equity Credit Union?The highest United Equity Credit Union CD rate is its 60 Month CD at 4.75% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does United Equity Credit Union offer?United Equity Credit Union CD rates are 3.50% APY for a 6 month CD, 4.15% APY for an 11 month CD, 3.50% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 4.45% APY for a 3 year CD and 4.75% 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 Equity Credit Union for its full lineup. What is the highest money market rate at United Equity Credit Union?The highest United Equity Credit Union money market rate is its Money Market Accounts at 1.21% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at United Equity Credit Union?The highest United Equity Credit Union checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at United Equity Credit Union?The lowest United Equity Credit Union auto loan rate is its Auto & Motorcycle Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026. United Equity Credit Union auto loan rates are 4.75% APR for a 72 month auto loan and 6.00% APR for an 84 month auto loan. What is the lowest personal loan rate at United Equity Credit Union?The lowest United Equity Credit Union personal loan rate is its Personal Loan at 7.50% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Equity Credit Union rates compare?United Equity Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. United Equity Credit Union's top rates are its 60 Month CD at 4.75% APY, its Money Market Accounts at 1.21% APY, its Kasasa Cash Checking at 4.00% APY and its Personal Loan at 7.50% APR, verified by MonitorBankRates on October 30, 2026. Current United Equity Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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