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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Savings Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 9, 2026
United Savings Credit Union's top rates as of October 9, 2026 are 2.00% APY on money market accounts, 3.00% APY on checking, personal loans from 12.50% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of United Savings Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.15%. Rates last updated and verified on 10/09/2026. United Savings 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 Savings Credit Union? Share your experience about United Savings Credit Union by leaving a review below, or read customer reviews before you decide to use United Savings Credit Union. United Savings Credit Union
MAIN OFFICE 1001 1st Ave N
https://www.unitedsavingscu.org Fargo, ND 58102  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. United Savings Credit Union Money Market Rates
United Savings Credit Union Checking Rates
United Savings Credit Union Auto Loan Rates
United Savings Credit Union RV, Boat and Powersport Loan Rates
United Savings Credit Union Credit Card Rates
United Savings Credit Union Personal Loan Rates
United Savings Credit Union Other Rates
Financial Health HistoryUnited Savings Credit Union’s Texas Ratio rose from 3.82% in Q3 2023 to 15.15% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Savings 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 Savings 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 Savings Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Savings Credit Union
Website
https://www.unitedsavingscu.org
Address
1001 1st Ave N,
Fargo, ND 58102
Phone
701-235-2832
Fax
701-235-8376
President
Keith Hansen
CEO
Jim Schaefbauer
Full-Time Employees
32
Part-Time Employees
1
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.15%
Return on Assets (ROA)
0.1975%
Return on Equity (ROE)
1.5552%
Non-Performing Loans Ratio (NPL)
2.88%
Total Assets
125,153,863
Total Amount of Shares and Deposits
108,596,211
Total Shares and Deposits < 1 Year
108,547,471
Total Shares and Deposits 1 3 Years
48,740
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,704,425
Total Uninsured Shares and Deposits > $250K (F+J)
5,704,425
Total Insured Shares and Deposits > $250K (item 17 less item K)
102,891,786
Total Interest Expense (Sum of items 6 8)
685,768
Share Certificates
503
Number of Accounts for Share Drafts
3,887
IRA KEOGH Accounts
212
Number of Accounts for Regular Shares
7,160
All other shares
1,822
Money Market Shares
430
Net Income (unless the amount is already included in Undivided Earnings)
247,222
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)
13,070,861
Total Liabilities
109,584,169
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for United Savings Credit Union
Frequently Asked Questions About United Savings Credit UnionHow many branches does United Savings Credit Union operate?United Savings 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 Savings Credit Union?Yes, to access services at United Savings 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 Savings 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 Savings Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Savings Credit Union offer online and mobile banking?Most modern institutions like United Savings 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.unitedsavingscu.org. Current United Savings Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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