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United Texas Credit Union

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United Texas Credit Union Rates & Review April 2026

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

Yes, to access services at United Texas 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 Texas 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: April 23, 2026

You can compare United Texas Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.10%, 6-month share certificate rates at 2.73% and 3-month share certificate rates at 1.16%. Savings rates are at 0.20% and money market rates are at 1.40%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates can be compared to United Texas Credit Union rates. MonitorBankRates evaluates the financial stability of United Texas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.00%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.00%

Excellent Lower than avg

United Texas Credit Union
United Texas Credit Union

5500 UTSA Blvd
San Antonio, TX 78249

https://www.utxcu.com

Current Rate Availability

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

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name United Texas Credit Union

Website https://www.utxcu.com

Address 5500 UTSA Blvd, San Antonio, TX 78249

Phone 210-561-4500

Fax

President Bill Gregory

CEO Kyle Ashley

Full-Time Employees 56

Part-Time Employees 13

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.00%

Return on Assets (ROA)

0.4848%

Return on Equity (ROE)

5.1063%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

423,809,923

Total Amount of Shares and Deposits

384,490,452

Total Shares and Deposits < 1 Year

373,441,777

Total Shares and Deposits 1 3 Years

8,631,449

Total Shares and Deposits > 3 Years

2,417,227

Total Interest Expense (Sum of items 6 8)

5,690,188

Share Certificates

2,674

Number of Accounts for Share Drafts

9,397

IRA KEOGH Accounts

906

Number of Accounts for Regular Shares

20,790

All other shares

2,720

Money Market Shares

1,130

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

2,054,752

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

15,897,375

Total Liabilities

391,435,335

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About United Texas Credit Union

Is United Texas Credit Union a safe place to deposit money?

Yes, United Texas Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0020604041613%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does United Texas Credit Union operate?

United Texas 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 Texas Credit Union?

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

Does United Texas Credit Union offer online and mobile banking?

Most modern institutions like United Texas 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.utxcu.com.