☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
United Federal Credit Union

iAdvertiser Disclosure

United Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at United Federal Credit Union?

Current rates for United Federal Credit Union include: 12-Month CD: 1.60%, 18-Month CD: 1.65%, 24-Month CD: 1.85%, 60-Month CD: 2.10%, Savings: 1.00%, MMA: 4.00%

Q: What CD terms does United Federal Credit Union offer?

United Federal Credit Union CD rates are 1.60% APY for a 12 month CD, 1.65% APY for an 18 month CD, 1.85% APY for a 2 year CD, 2.10% APY for a 3 year CD, 2.15% APY for a 4 year CD and 2.20% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with United Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

United Federal Credit Union's CD - 60 month - Bonus Rate rates are at 2.20%, CD - 48 month - Bonus Rate rates are at 2.15%, CD - 36 month - Bonus Rate rates are at 2.10%, CD - 60 month rates are at 2.10%, CD - 48 month rates are at 2.05%. United Federal Credit Union's savings rates are at 1.00%. United Federal Credit Union's money market rates are at 4.00%. United Federal Credit Union's checking rates are as high as 5.00%. United Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 5.75%. United Federal Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Federal Credit Union
Team United HQ - Hilltop

150 Hilltop Rd
Saint Joseph, MI 49085-2381

https://www.unitedfcu.com

Customer Reviews

Be the first to review

Write a Review

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 Federal Credit Union CD Rates

Product	Rate	APY	Term
21 Month Special Share Certificate	-	4.10%	21 months
Min Deposit $500 Min Balance $500 Details Qualifications Required: Ultra Checking account owner receiving tax statement with average monthly balance of at least $1.00; Bonus rate with Ultra Checking account; rate is 4.00% APY if requirements are not met; 21 month certificate renews to 12 month standard certificate at maturity; APY accurate as of 10/1/2026; IRA eligible Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 28, 20264.10%▲ from 4.00% Oct 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
7 Month Special Share Certificate	-	4.10%	7 months
Min Deposit $500 Min Balance $500 Details Qualifications Required: Ultra Checking account owner receiving tax statement with average monthly balance of at least $1.00; Bonus rate with Ultra Checking account; rate is 4.00% APY if requirements are not met; 7 month certificate renews to 6 month standard certificate at maturity; APY accurate as of 10/1/2026; IRA eligible Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 28, 20264.10%▲ from 4.00% Oct 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 21 Month Special - With Bonus Rate	-	4.10%	21 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Highlighted current special; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 7 Month Special - With Bonus Rate	-	4.10%	7 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Highlighted current special; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 21 Month Special - Bonus Rate	-	4.10%	21 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 7 Month Special - Bonus Rate	-	4.10%	7 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 21 Month Special	3.941%	4.00%	21 Months
Details Highlighted current special; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 7 Month Special	3.941%	4.00%	7 Months
Details Highlighted current special; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 21 Month Special	3.941%	4.00%	21 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 7 Month Special	3.941%	4.00%	7 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 60 month - With Bonus Rate	-	2.20%	60 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 60 month - Bonus Rate	-	2.20%	60 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 48 month - With Bonus Rate	-	2.15%	48 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 48 month - Bonus Rate	-	2.15%	48 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 36 month - With Bonus Rate	-	2.10%	36 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 60 month	2.084%	2.10%	60 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 36 month - Bonus Rate	-	2.10%	36 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 60 month	2.084%	2.10%	60 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 48 month	2.034%	2.05%	48 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 48 month	2.034%	2.05%	48 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month Bump Up Certificate	1.985%	2.00%	36 Month
Min Balance $500 Details Balance: $500 - $1,000,000; Effective Date: October 01, 2026; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 36 month	1.985%	2.00%	36 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 36 month	1.985%	2.00%	36 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 24 month - With Bonus Rate	-	1.95%	24 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 24 month - Bonus Rate	-	1.95%	24 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 24 month	1.837%	1.85%	24 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 24 month	1.837%	1.85%	24 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85% Oct 2, 20261.85%▼ from 1.95% Sep 12, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 18 month - With Bonus Rate	-	1.75%	18 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 18 month - Bonus Rate	-	1.75%	18 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 12 month - With Bonus Rate	-	1.70%	12 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 12 month - Bonus Rate	-	1.70%	12 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 18 month	1.64%	1.65%	18 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 6 month - With Bonus Rate	-	1.65%	6 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 18 month	1.64%	1.65%	18 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60% Oct 2, 20261.65%▲ from 1.60% Sep 12, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 6 month - Bonus Rate	-	1.65%	6 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Liquid Certificate - 12 Month	1.59%	1.60%	12 Month
Min Balance $2,500 Details Amount: $2,500 - $250,000; APY with Bonus Rate: 1.70% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal; Fees may reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 12 month	1.59%	1.60%	12 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 3 month - With Bonus Rate	-	1.60%	3 Months
Details Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 12 month	1.59%	1.60%	12 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 1.55% → 1.60% ▲ 0.05 pts · high 1.60% / low 1.55% Oct 2, 20261.60%▲ from 1.55% Sep 12, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 3 month - Bonus Rate	-	1.60%	3 Months
Min Balance $500 Details Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 6 month	1.541%	1.55%	6 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 6 month	1.541%	1.55%	6 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50% Oct 2, 20261.55%▲ from 1.50% Sep 12, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 3 month	1.492%	1.50%	3 Months
Details Effective Date: October 01, 2026; A penalty may be charged for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Certificate - 3 month	1.492%	1.50%	3 Months
Min Balance $500 Details Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 2, 20261.50%▲ from 1.25% Sep 12, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.995%	1.00%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.747%	0.75%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.499%	0.50%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: $0 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Achiever Savings	0.10%	0.10%
Details Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Holiday Club	0.05%	0.05%
Details Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Membership Savings	0.05%	0.05%
Details Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Youth Savings	0.05%	0.05%
Details Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	3.928%	4.00%
Min Deposit $15,000 Min Balance $0 Details Balance: $0 - $100,000.00; Effective Date: October 01, 2026; Special rate of up to 4.00% APY for new Money Market Special accounts opened on or after 10/1/2026, applies for first 6 months, then converts to standard Elevate Money Market; members with any money market account at United in the last 12 months are not eligible Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market - Bonus Rate	-	3.50%
Min Balance $250,000 Details Qualifications Required; Minimum Amount: $250,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market - Bonus Rate	-	3.25%
Min Balance $100,000 Details Qualifications Required; Minimum Amount: $100,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market - Bonus Rate	-	3.00%
Min Balance $1,000 Details Qualifications Required; Minimum Amount: $1,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.995%	1.00%
Min Balance $250,000 Details Minimum Amount: $250,000; Effective Date: October 01, 2026; APY accurate as of last dividend declaration date; Rates may change after account is opened; Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Special	0.896%	0.90%
Min Deposit $15,000 Min Balance $100,000 Details Balance: $100,000.01 and over; Effective Date: October 01, 2026; Special rate of up to 4.00% APY for new Money Market Special accounts opened on or after 10/1/2026, applies for first 6 months, then converts to standard Elevate Money Market; members with any money market account at United in the last 12 months are not eligible Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.747%	0.75%
Min Balance $100,000 Details Minimum Amount: $100,000; Effective Date: October 01, 2026; APY accurate as of last dividend declaration date; Rates may change after account is opened; Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.499%	0.50%
Min Balance $1,000 Details Minimum Amount: $1,000; Effective Date: October 01, 2026; APY accurate as of last dividend declaration date; Rates may change after account is opened; Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.30%	0.30%
Min Balance $250,000 Details Balance: Minimum Amount $250,000; Effective Date: October 01, 2026; APY accurate as of the last dividend declaration date Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.20%	0.20%
Min Balance $100,000 Details Balance: Minimum Amount $100,000; Effective Date: October 01, 2026; APY accurate as of the last dividend declaration date Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Bonus Builder Money Market	0.15%	0.15%
Min Balance $1,000 Details Minimum Amount: $1,000; Bonus APY with Bonus Rate: 0.400%; Bonus rate requires Tax Reported Owner of an Ultra Checking or Free Checking account with average monthly balance of at least $1.00; Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: Minimum Amount $1,000; Effective Date: October 01, 2026; APY accurate as of the last dividend declaration date Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Bonus Builder Money Market	0.00%	0.00%
Min Balance $0 Details Minimum Amount: $0; Bonus APY with Bonus Rate: 0.00%; Bonus rate requires Tax Reported Owner of an Ultra Checking or Free Checking account with average monthly balance of at least $1.00; Effective Date: October 01, 2026 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.00%	0.00%
Min Balance $0 Details Minimum Amount: $0; Effective Date: October 01, 2026; APY accurate as of last dividend declaration date; Rates may change after account is opened; Consumer money market accounts only Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.00%	0.00%
Min Balance $0 Details Balance: Minimum Amount $0; Effective Date: October 01, 2026; APY accurate as of the last dividend declaration date Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Checking Rates

Product	Rate	APY	View More
Ultra Checking	4.891%	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: At least 20 cleared signature (swipe and sign) credit or non-PIN debit card transactions on this account (may include U Boost, U First, or U Rewards credit card transactions by the Tax Reported Owner) posted by 11:59 PM ET on the second to last calendar day of the dividend period; 1 direct deposit or electronic auto payment (ACH) from this account posted by the same deadline; active enrollment in e-statements; Qualifying balance up to $10,000.00; TOTAL Rate (Base + Bonus); Bonus APY earned when monthly requirements are met; Rates may change after account is opened; Fees could reduce earnings; One account per Member Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95% Oct 2, 20265.00%▲ from 4.95% Sep 12, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Closed End, Fixed Rate Loan - 180 Months	-	-	6.55%	180 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; Rates include 0.25% discount with automatic payment from a United checking account; Rates vary by state, as low as 6.55% to as high as 18.00% APR; Property insurance required Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Oct 8, 20266.55%▲ from 6.30% Sep 12, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Closed End, Fixed Rate Loan - 120 Months	-	-	6.75%	120 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; Rates include 0.25% discount with automatic payment from a United checking account; Rates vary by state, as low as 6.55% to as high as 18.00% APR; Property insurance required Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 8, 20266.75%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Closed End, Fixed Rate Loan - 60 Months	-	-	6.95%	60 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; Rates include 0.25% discount with automatic payment from a United checking account; Rates vary by state, as low as 6.55% to as high as 18.00% APR; Property insurance required Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.70% → 6.95% ▲ 0.25 pts · high 6.95% / low 6.70% Oct 8, 20266.95%▲ from 6.70% Sep 12, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details $25,000 and above; As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 1.00% APR premium; variable periodic rate, maximum 18.00% APR; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 17, 20267.25%▲ from 7.00% Sep 12, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Interest Only Home Equity Line of Credit	-	-	7.50%
Details As Low As; Loan Amount: $25,000 and above; Loan-to-Value: 80% or Less; Rates vary between 7.50% APR and 18.00% APR based on CLTV, line amount and credit score; Rates include 0.25% discount with automatic payment from a United checking account; Loans over 80% of home value incur a 1.00% APR premium; Not available in Alaska, Hawaii or Texas Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit (HELOC)	-	-	7.75%
Details $25,000; As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 1.00% APR premium; variable periodic rate, maximum 18.00% APR; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 17, 20267.75%▲ from 7.50% Sep 12, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Interest Only Home Equity Line of Credit	-	-	8.00%
Details As Low As; Loan Amount: Less than $25,000; Loan-to-Value: 80% or Less; Rates vary between 7.50% APR and 18.00% APR based on CLTV, line amount and credit score; Rates include 0.25% discount with automatic payment from a United checking account; Loans over 80% of home value incur a 1.00% APR premium; Not available in Alaska, Hawaii or Texas Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Fixed Rate New & Used Auto Loans	-	-	2.99%	Up to 36 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 2.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	4.85%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80% Oct 2, 20264.85%▲ from 3.80% Sep 17, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	5.00%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05% Oct 2, 20265.00%▲ from 4.05% Sep 17, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	5.25%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 4.55% → 5.25% ▲ 0.70 pts · high 5.50% / low 4.55% Oct 4, 20265.25%▼ from 5.50% Oct 2, 20265.50%▲ from 4.55% Sep 17, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	6.00%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 17, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Other Vehicle Loans	-	-	11.39%
Details As Low As; Minimum Amount: $1,000; Effective Date: October 02, 2026; Base APR varies by state, as high as 11.39% APR (17.00% APR in Arkansas and Oklahoma); includes 0.50% rate discount for 80% LTV and 0.25% discount for automatic payment from a United checking account Last Updated 10/28/2026 Rate History No change since Oct 2, 2026 · 11.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.75%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 2 changes since Sep 25, 2026 · 4.80% → 5.75% ▲ 0.95 pts · high 5.85% / low 4.80% Oct 4, 20265.75%▼ from 5.85% Oct 2, 20265.85%▲ from 4.80% Sep 25, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.00%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 25, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.45%	180 months
Details As Low As; Amount: $40,000+; Maximum Term: 180 months; Effective Date: October 02, 2026; Rate includes 0.50% discount for 80% LTV and 0.25% for automatic payment from a United checking account Last Updated 10/28/2026 Rate History 3 changes since Sep 12, 2026 · 5.45% → 6.45% ▲ 1.00 pts · high 6.45% / low 5.45% Oct 2, 20266.45%▲ from 5.45% Sep 25, 20265.45%▼ from 6.25% Sep 18, 20266.25%▲ from 5.45% Sep 12, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.50%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.55% → 6.50% ▲ 0.95 pts · high 6.50% / low 5.55% Oct 2, 20266.50%▲ from 5.55% Sep 25, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.70%	144 months
Details As Low As; Amount: $20,000 to $39,999; Maximum Term: 144 months; Effective Date: October 02, 2026; Rate includes 0.50% discount for 80% LTV and 0.25% for automatic payment from a United checking account Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.70% ▲ 0.20 pts · high 6.70% / low 6.50% Oct 2, 20266.70%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.95%	84 months
Details As Low As; Amount: $0 to $19,999; Maximum Term: 84 months; Effective Date: October 02, 2026; Rate includes 0.50% discount for 80% LTV and 0.25% for automatic payment from a United checking account Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 6.95% ▲ 0.20 pts · high 6.95% / low 6.75% Oct 2, 20266.95%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	7.00%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 6.05% → 7.00% ▲ 0.95 pts · high 7.00% / low 6.05% Oct 2, 20267.00%▲ from 6.05% Sep 25, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Credit Card Rates

Product	Rate	APR
U First Visa Credit Card	-	0.00%
Details As Low As; Intro rate expires: 6 months; Regular APR: 11.49%-18.00%; Balance transfer regular APR: 9.49%-16.00%; Card Limit $500 - $50,000; Credit Level Good Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U Rewards Visa Signature Credit Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Earn $100 cash rewards after $3,000 in purchases within 90 days; Up to 1.5% cash rewards; Card Limit $500 - $50,000; Credit Level Outstanding Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa U First	-	0.00%
Details As Low As; Intro rate expires: 6 months; Regular APR: 11.49%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater; Rate offered determined by applicant's creditworthiness Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa U Rewards	-	0.00%
Details As Low As; Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater; Rate offered determined by applicant's creditworthiness Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U Boost Visa Credit Card	-	18.00%
Details Card Limit $200 - $5,000; Credit Level Poor / No Credit; Secure line of credit Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Visa U Boost	-	18.00%
Details Minimum Payment: 2% of Balance or $20, whichever is greater; Variable APR Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Personal Loan Rates

Product	APR	Term
U Rewards Visa Signature Credit Card	0.00%
Details Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Earn $100 cash rewards after $3,000 in purchases within 90 days; Up to 1.5% cash rewards; Card Limit $500 - $50,000; Credit Level Outstanding Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	5.75%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 2 changes since Sep 25, 2026 · 4.80% → 5.75% ▲ 0.95 pts · high 5.85% / low 4.80% Oct 4, 20265.75%▼ from 5.85% Oct 2, 20265.85%▲ from 4.80% Sep 25, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	6.00%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 25, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	6.50%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer; Effective Date: October 02, 2026; 0.25% premium for model years 2021-2017 and 0.75% premium for 2016 and older; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.55% → 6.50% ▲ 0.95 pts · high 6.50% / low 5.55% Oct 2, 20266.50%▲ from 5.55% Sep 25, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	7.00%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer; Effective Date: October 02, 2026; rates include 0.50% discount for 80% LTV and 0.25% automatic payment discount Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 6.05% → 7.00% ▲ 0.95 pts · high 7.00% / low 6.05% Oct 2, 20267.00%▲ from 6.05% Sep 25, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Signature	13.24%	Up to 60 Months
Details As Low As; Rate includes 0.25% rate discount for automatic payment from a United checking account with a positive balance. Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Sep 17, 202613.24%▲ from 12.99% Sep 12, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Ultra Checking	-	-	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; 5.00% APY on balances up to $10,000.00 if monthly requirements are met; 0.05% APY on balances up to $10,000.00 if not met; 0.10% APY on balances over $10,000.00; Share Certificate Rate Bonus additional 0.10% APY; Elevate Money Market Rate Bonus additional 2.50% APY; Minimum opening balance $50 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95% Oct 2, 20265.00%▲ from 4.95% Sep 12, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

United Federal Credit Union’s Texas Ratio stayed near 3.64% in Q3 2023 to 4.11% in Q2 2026, so its financial health has stayed 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	$4.4B	4.11%	5.0	A+
March 31, 2026	$4.4B	3.23%	5.0	A+
December 31, 2025	$4.2B	5.10%	5.0	A+
September 30, 2025	$4.3B	3.13%	5.0	A+
June 30, 2025	$4.2B	2.34%	5.0	A+
March 31, 2025	$4.2B	2.67%	5.0	A+
December 31, 2024	$4.2B	3.63%	5.0	A+
September 30, 2024	$4.1B	4.03%	5.0	A+
June 30, 2024	$4.1B	3.79%	5.0	A+
March 31, 2024	$3.9B	3.53%	5.0	A+
December 31, 2023	$3.9B	4.53%	5.0	A+
September 30, 2023	$3.9B	3.64%	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 Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Federal Credit Union

Website https://www.unitedfcu.com

Address 150 Hilltop Rd, Saint Joseph, MI 49085-2381

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry O'Rourke

Full-Time Employees 662

Part-Time Employees 10

Branch Locations 43

ATM Locations 40

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.11%

Return on Assets (ROA)

0.7514%

Return on Equity (ROE)

6.2930%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

4,432,382,368

Total Amount of Shares and Deposits

3,681,771,545

Total Shares and Deposits < 1 Year

3,641,852,590

Total Shares and Deposits 1 3 Years

35,840,048

Total Shares and Deposits > 3 Years

4,078,905

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

661,238,365

Total Uninsured Shares and Deposits > $250K (F+J)

661,238,365

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

3,020,533,180

Total Interest Expense (Sum of items 6 8)

38,931,797

Share Certificates

21,436

Number of Accounts for Share Drafts

156,712

IRA KEOGH Accounts

3,918

Number of Accounts for Regular Shares

212,285

Money Market Shares

25,580

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

33,306,311

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)

165,812,828

Total Liabilities

3,943,857,694

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

United Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/united-federal-credit-union-rates-review-6288">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for United Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for United Federal Credit Union

Frequently Asked Questions About United Federal Credit Union

Does United Federal Credit Union offer CDs?

Yes. United Federal Credit Union current CD rates include its CD - 60 month - Bonus Rate at 2.20% APY, its CD - 48 month - Bonus Rate at 2.15% APY and its CD - 36 month - Bonus Rate at 2.10% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from United Federal Credit Union NCUA insured?

Yes. United Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at United Federal Credit Union?

The highest United Federal Credit Union CD rate is its 21 Month Special CD at 4.10% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does United Federal Credit Union offer?

United Federal Credit Union CD rates are 1.60% APY for a 12 month CD, 1.65% APY for an 18 month CD, 1.85% APY for a 2 year CD, 2.10% APY for a 3 year CD, 2.15% APY for a 4 year CD and 2.20% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with United Federal Credit Union for its full lineup.

What is the highest savings rate at United Federal Credit Union?

The highest United Federal Credit Union savings rate is its Health Savings Account (HSA) at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at United Federal Credit Union?

The highest United Federal Credit Union money market rate is its Money Market Special at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at United Federal Credit Union?

The highest United Federal Credit Union checking rate is its Ultra Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at United Federal Credit Union?

The lowest United Federal Credit Union auto loan rate is its Fixed Rate New & Used Auto Loans at 2.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at United Federal Credit Union?

The lowest United Federal Credit Union personal loan rate is its Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans at 5.75% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at United Federal Credit Union?

The lowest United Federal Credit Union credit card APR is its U Boost Visa Credit Card at 18.00% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does United Federal Credit Union operate?

United Federal 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 Federal Credit Union?

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

Does United Federal Credit Union offer online and mobile banking?

Most modern institutions like United Federal 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.unitedfcu.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 Federal Credit Union rates compare?

United Federal Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. United Federal Credit Union's top rates are its 21 Month Special CD at 4.10% APY, its Health Savings Account (HSA) at 1.00% APY, its Money Market Special at 4.00% APY, its Ultra Checking at 5.00% APY and its Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans at 5.75% APR, verified by MonitorBankRates on October 28, 2026.

Current United Federal Credit Union Rates

12-Month CD1.60%
18-Month CD1.65%
24-Month CD1.85%
60-Month CD2.10%
Savings1.00%
MMA4.00%

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

Compare to Other Credit Unions

United Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Federal Credit Union Texas Ratio

United Federal Credit Union Health Trend

United Federal Credit Union CD Rates

United Federal Credit Union Savings Rates

United Federal Credit Union Money Market Rates

United Federal Credit Union Checking Rates

United Federal Credit Union Home Equity & HELOC

United Federal Credit Union Auto Loan Rates

United Federal Credit Union RV, Boat and Powersport Loan Rates

United Federal Credit Union Credit Card Rates

United Federal Credit Union Personal Loan Rates

United Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Federal Credit Union

Does United Federal Credit Union offer CDs?

Are CDs from United Federal Credit Union NCUA insured?

What is the highest CD rate at United Federal Credit Union?

What CD terms does United Federal Credit Union offer?

What is the highest savings rate at United Federal Credit Union?

What is the highest money market rate at United Federal Credit Union?

What is the highest checking rate at United Federal Credit Union?

What is the lowest auto loan rate at United Federal Credit Union?

What is the lowest personal loan rate at United Federal Credit Union?

What is the lowest credit card APR at United Federal Credit Union?

How many branches does United Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do United Federal Credit Union rates compare?

Current United Federal Credit Union Rates

Compare to Other Credit Unions