What are the current interest rates at United Equity Credit Union?

Current rates for United Equity Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 2.75%, MMA: 1.21%

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United Equity Credit Union

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United Equity Credit Union Rates & Review October 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 and Verified: October 10, 2026

United Equity Credit Union's top rates as of October 10, 2026 are 4.75% APY on its 60 Month CD, 1.21% APY on money market accounts, and personal loans from 7.50% APR, according to rates verified by MonitorBankRates. Other United Equity Credit Union CD rates include Minimum - Limited Time Specials! 60 month at 4.75%, 36 Month CD at 4.45%, and Minimum - Limited Time Specials! 36 month at 4.45%. 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 10/10/2026.

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 Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.71%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

United Equity Credit Union
United Equity Credit Union

1130 E Pershing Rd
Decatur, IL 62526

https://www.uecu.com

Privately insuredNot NCUA

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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

Product	Rate	APY	Term
60 Month Share Certificate	4.65%	4.75%	60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 4.75% ▲ 2.00 pts · high 4.75% / low 2.75% Oct 10, 20264.75%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Minimum - Limited Time Specials! 60 month	4.65%	4.75%	60 Months
Min Balance $1,000 Details $1,000; ** Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
36 Month Share Certificate	4.36%	4.45%	36 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 4.45% ▲ 1.70 pts · high 4.45% / low 2.75% Oct 10, 20264.45%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Minimum - Limited Time Specials! 36 month	4.36%	4.45%	36 Months
Min Balance $1,000 Details $1,000; ** Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
11 Month Share Certificate	4.07%	4.15%	11 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Minimum - Limited Time Specials! 11 month	4.07%	4.15%	11 Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
12 Month 1000 Minimum Certificate	3.445%	3.50%	12 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
12 Month Share Certificate	3.445%	3.50%	12 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
6 Month 1000 Minimum Certificate	3.445%	3.50%	6 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
6 Month Share Certificates	3.445%	3.50%	6 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Minimum - Youth 12 month	3.445%	3.50%	12 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
18 Month 1000 Minimum Certificate	3.203%	3.25%	18 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
18 Month Share Certificates	3.203%	3.25%	18 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
24 Month 1000 Minimum Certificate	3.203%	3.25%	24 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
24 Month Share Certificates	3.203%	3.25%	24 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
36 Month 1000 Minimum Certificate	2.716%	2.75%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
36 Month Share Certificates	2.716%	2.75%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
48 Month 1000 Minimum Certificate	2.716%	2.75%	48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
48 Month Share Certificates	2.716%	2.75%	48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
60 Month 1000 Minimum Certificate	2.716%	2.75%	60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
60 Month Share Certificates	2.716%	2.75%	60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Savings Rates

Product	Rate	APY
Christmas Club Accounts	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Vacation Club Accounts	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Accounts	1.20%	1.21%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10 Year (1st Lien Position)	-	-	5.50%	10 Year
Details Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity 15 Year	-	-	5.50%	15 Year
Details Additional APR listed for this product: 6.00%. Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity 10 Year (2nd Lien Position)	-	-	6.00%	10 Year
Details Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity 20 Year	-	-	6.25%	20 Year
Details Additional APR listed for this product: 7.25%. Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity 30 Year	-	-	6.25%	30 Year
Details Additional APR listed for this product: 7.25%. Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
HELOC 120 Months	-	-	8.75%	120 Months
Details Range of Balances: $10,000.01 - $30,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
HELOC 150 Months	-	-	8.75%	150 Months
Details Range of Balances: $30,000.01 - $350,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
HELOC 60 Months	-	-	8.75%	60 Months
Details Range of Balances: $5,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity Line of Credit (HELOC) - 120 Months	-	-	8.75%	120 Months
Details Balance: $10,000.01 - $30,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity Line of Credit (HELOC) - 150 Months	-	-	8.75%	150 Months
Details Balance: $30,000.01 - $350,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Home Equity Line of Credit (HELOC) - 60 Months	-	-	8.75%	60 Months
Details Balance: $5,000 - $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loans	-	-	4.25%	Up to 60 Months
Details Additional APR listed for this product: 4.50%, 5.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Auto & Motorcycle Loans	-	-	4.75%	72 Months
Details Additional APR listed for this product: 5.25%, 6.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Auto & Motorcycle Loans	-	-	6.00%	84 Months
Details Additional APR listed for this product: 6.75%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles Loan	-	5.50%	Up to 60 Months
Details Additional APR listed for this product: 6.25%, 6.50%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles Loan	-	6.25%	72 Months
Details Additional APR listed for this product: 6.75%, 7.25%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles Loan	-	7.25%	73 - 120 Months
Details Additional APR listed for this product: 7.75%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles - Up to 12 Months Loan	-	7.50%	Up to 12 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles - 24 Months Loan	-	8.50%	24 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles - 36 Months Loan	-	9.50%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles - 48 Months Loan	-	10.50%	48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Recreational Vehicles - 60 Months Loan	-	11.50%	60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 11.50% ▲ 6.00 pts · high 11.50% / low 5.50% Oct 10, 202611.50%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - Up to 12 Months	7.50%	Up to 12 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Personal Loans - 24 Months	8.50%	24 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Personal Loans - 36 Months	9.50%	36 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Personal Loans - 48 Months	10.50%	48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Personal Loans - 60 Months	11.50%	60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

United Equity Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Year (1st Lien Position) Loan	-	-	5.50%	10 Year
Details Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
10 Year (2nd Lien Position) Loan	-	-	6.00%	10 Year
Details Loan to Value: Please contact us Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	3.92%	-	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $20,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	0.25%	-	0.25%
Min Deposit $25 Min Balance $20,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $20,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $25 Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 0.05% ▼ 3.95 pts · high 4.00% / low 0.05% Sep 18, 20260.05%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	1.98%	-	2.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.00% → 2.00% ▼ 2.00 pts · high 4.00% / low 0.05% Oct 10, 20262.00%▲ from 0.05% Sep 18, 20260.05%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	0.25%	-	0.25%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Cash Checking	0.049%	-	0.049%
Details When qualifications are not met, dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Saver Savings	1.98%	-	2.00%
Min Deposit $25 Min Balance $0 Details Balance: 0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Saver Savings	0.25%	-	0.25%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Saver Savings	3.92%	-	4.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit, ACH payment, or bill pay transaction; 12 debit card purchases; Be enrolled in and agree to receive e-statements; Balance: up to and including $20,000; Rate on portion over $20,000: 0.2497% resulting in a range from 4.00% to .88% APY Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 4.00% ▲ 2.00 pts · high 4.00% / low 2.00% Oct 10, 20264.00%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Kasasa Saver Savings	0.049%	-	0.049%
Details When qualifications are not met, dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.05% Oct 10, 20260.05%▼ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Regular Shares	0.15%	-	0.15%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 12 Months	3.445%	-	3.50%	12 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 18 Months	3.203%	-	3.25%	18 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 24 Months	3.203%	-	3.25%	24 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 36 Months	2.716%	-	2.75%	36 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 48 Months	2.716%	-	2.75%	48 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 6 Months	3.445%	-	3.50%	6 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Certificates - 60 Months	2.716%	-	2.75%	60 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Share Draft Accounts	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%
Special Purpose Accounts	0.15%	-	0.15%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.71%

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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Financial Health History

United 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$66M	0.71%	5.0	A+
March 31, 2026	$67M	1.36%	5.0	A+
December 31, 2025	$68M	1.70%	5.0	A+
September 30, 2025	$69M	2.99%	5.0	A+
June 30, 2025	$71M	3.40%	5.0	A+
March 31, 2025	$72M	4.59%	5.0	A+
December 31, 2024	$70M	4.47%	5.0	A+
September 30, 2024	$71M	4.12%	5.0	A+
June 30, 2024	$73M	3.88%	5.0	A+
March 31, 2024	$72M	2.84%	5.0	A+
December 31, 2023	$60M	3.51%	5.0	A+
September 30, 2023	$61M	4.01%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 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

Financials

MonitorBankRates 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

Q2 2026 MBR Health & Safety Badge

United Equity Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total 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.

Current United Equity Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD2.75%
MMA1.21%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

United Equity Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Equity Credit Union Texas Ratio

United Equity Credit Union Health Trend

United Equity Credit Union CD Rates

United Equity Credit Union Savings Rates

United Equity Credit Union Money Market 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United Equity Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Equity Credit Union

How many branches does United Equity Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Equity Credit Union offer online and mobile banking?

Current United Equity Credit Union Rates

Compare to Other Credit Unions