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United Trades Federal Credit Union

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United Trades Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Trades Federal 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 17, 2026

United Trades Federal Credit Union's Personal Loan Rates are at 5.50%. MonitorBankRates evaluates the financial stability of United Trades Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.61%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.61%

Excellent Lower than avg

United Trades Federal Credit Union
Tualatin Office

20210 SW Teton Ave
Tualatin, OR 97062

https://www.unitedtradesfcu.org

United Trades Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.50%
Details As Low As Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

United Trades Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	10.50%
Details As Low As Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

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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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name United Trades Federal Credit Union

Website https://www.unitedtradesfcu.org

Address 20210 SW Teton Ave, Tualatin, OR 97062

Phone 503-283-5193

Fax 503-283-5196

President Gregory Croarkin

CEO Robyn Guyer

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

3.61%

Return on Assets (ROA)

0.4338%

Return on Equity (ROE)

3.2652%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

55,672,973

Total Amount of Shares and Deposits

47,657,610

Total Shares and Deposits < 1 Year

46,698,923

Total Shares and Deposits 1 3 Years

796,030

Total Shares and Deposits > 3 Years

162,657

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

1,985,680

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

1,985,680

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

45,671,930

Total Interest Expense (Sum of items 6 8)

452,579

Share Certificates

456

Number of Accounts for Share Drafts

1,578

IRA KEOGH Accounts

175

Number of Accounts for Regular Shares

14,284

Non Member Deposits

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,333,212

Total Liabilities

48,390,343

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About United Trades Federal Credit Union

Is United Trades Federal Credit Union a safe place to deposit money?

Yes, United Trades Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.6068439507044%, 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 Trades Federal Credit Union operate?

United Trades 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 Trades Federal Credit Union?

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

Does United Trades Federal Credit Union offer online and mobile banking?

Most modern institutions like United Trades 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.unitedtradesfcu.org.