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United Trades Federal Credit Union

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United Trades Federal Credit Union Rates & Review October 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 and Verified: October 12, 2026

United Trades Federal Credit Union's top rates as of October 12, 2026 are 0.70% APY on checking, personal loans from 11.00% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. 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 7.25%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

United Trades Federal Credit Union
Tualatin Office

20210 SW Teton Ave
Tualatin, OR 97062

https://www.unitedtradesfcu.org

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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 Trades Federal Credit Union Savings Rates

Product	Rate	APY	View More
Holiday Club	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union Checking Rates

Product	Rate	APY
Market Checking	0.70%	0.70%
Min Balance $10,000 Details Balance: from $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Market Checking	0.65%	0.65%
Min Deposit $2,000 Min Balance $2,000 Details Balance: from $2,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	5.50%	84 months
Details As Low As; Vehicle that is 2024 or newer and with 40,000 or less miles. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Used Vehicle 1 Loan	-	-	5.50%	72 months
Details As Low As; 2016-2023 or 2024+ with over 40,000 miles. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Used Vehicle 2 Loan	-	-	7.74%	60 months
Details As Low As; 2015 or older or any vehicle with over 100,000 miles. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs Loan	-	7.49%	120 months
Details As Low As; 2024 or newer model year. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
ATV/UTV/Utility Trailer Loan	-	7.69%	84 months
Details As Low As; New and used. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Motorcycles Loan	-	7.69%	84 months
Details As Low As; New and used. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
New Boats/Watercraft Loan	-	7.69%	84 months
Details As Low As; 2024 or newer model year. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Used RVs Loan	-	8.49%	120 months
Details As Low As; 2023 or older model year. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Used Boats/Watercraft Loan	-	8.69%	84 months
Details As Low As; 2023 or older model year. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	10.75%
Details As Low As; Spend smart-low rates that keep your wallet happy! Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 4, 202610.75%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.00%	72 months
Details As Low As; Unlock your goals-low rates, fast approval, zero hassle! Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

United Trades Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	13.30%
Details As Low As; Build credit from scratch-your loan secures itself! Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.30% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Lines of Credit Loan	-	-	11.00%
Details As Low As; Your safety net-ready when you need it, easy when you don't! Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
IRA Shares	0.05%	-	0.05%
Min Deposit $100 Min Balance $100 Details Balance: from $100.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
IRA Shares	0.07%	-	0.07%
Min Balance $25,000 Details Balance: from $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
IRA Shares	0.10%	-	0.10%
Min Balance $50,000 Details Balance: from $50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Regular Owner Shares	0.10%	-	0.10%
Min Deposit $5 Min Balance $100 Details Balance: from $100.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Regular Owner Shares	0.10%	-	0.10%
Min Balance $10,001 Details Balance: from $10,001.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%
Regular Owner Shares	0.10%	-	0.10%
Min Balance $50,001 Details Balance: from $50,001.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.25%

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 Trades Federal Credit Union’s Texas Ratio rose from 6.42% in Q3 2023 to 7.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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	$56M	7.25%	5.0	A
March 31, 2026	$55M	2.64%	5.0	A+
December 31, 2025	$57M	2.40%	5.0	A+
September 30, 2025	$56M	3.52%	5.0	A+
June 30, 2025	$56M	5.50%	5.0	A+
March 31, 2025	$57M	5.23%	5.0	A+
December 31, 2024	$57M	4.89%	5.0	A+
September 30, 2024	$57M	7.91%	5.0	A
June 30, 2024	$57M	3.08%	5.0	A+
March 31, 2024	$56M	2.52%	5.0	A+
December 31, 2023	$53M	5.73%	5.0	A+
September 30, 2023	$54M	6.42%	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 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 Debra Fox

CEO Sarah McNeil

Full-Time Employees 9

Part-Time Employees 2

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 (96/100)

Texas Ratio

7.25%

Return on Assets (ROA)

0.1083%

Return on Equity (ROE)

0.8323%

Non-Performing Loans Ratio (NPL)

1.60%

Total Assets

56,249,679

Total Amount of Shares and Deposits

48,405,914

Total Shares and Deposits < 1 Year

47,528,510

Total Shares and Deposits 1 3 Years

811,413

Total Shares and Deposits > 3 Years

65,991

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

2,651,600

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

2,651,600

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

45,754,314

Total Interest Expense (Sum of items 6 8)

323,431

Share Certificates

466

Number of Accounts for Share Drafts

1,574

IRA KEOGH Accounts

171

Number of Accounts for Regular Shares

13,835

Non Member Deposits

Money Market Shares

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)

5,690,706

Total Liabilities

49,034,770

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United Trades Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About United Trades Federal Credit Union

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.