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Unitus Community Credit Union

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Unitus Community Credit Union Rates & Review November 2026

Item: Unitus Community Credit Union
Rating: 5
Author: Cynthia

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Unitus Community Credit Union's 12 Mo CD - Regular, IRA, ESA rates are at 3.65%, 18 Mo CD - Regular, IRA, ESA rates are at 3.55%, 6 Mo CD - Regular, IRA, ESA rates are at 3.45%, 24 Mo CD - Regular, IRA, ESA rates are at 2.50%, 36 Mo CD - Regular, IRA, ESA rates are at 2.50%. Unitus Community Credit Union's savings rates are at 5.00%. Unitus Community Credit Union's money market rates are at 4.00%. Unitus Community Credit Union's checking rates are as high as 5.50%. Unitus Community Credit Union's Personal Loan Rates are as low as 9.99%. Unitus Community Credit Union's Credit Card Rates are at 11.49%. Unitus Community Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Unitus Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.01%. Rates last updated and verified on 10/29/2026.

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

3.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Unitus Community Credit Union
UCCU-Tigard

7632 SW Durham Rd
Tigard, OR 97224

https://www.unitusccu.com

Customer Reviews

5.0 ★ 1 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.

Unitus Community Credit Union CD Rates

Product	Rate	APY	Term
12 Mo Certificate - Regular, IRA, ESA	3.59%	3.65%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
12 Mo Certificate - Regular, IRA, ESA	3.59%	3.65%	12 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
12 Mo Certificate - Regular, IRA, ESA	3.59%	3.65%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA	3.49%	3.55%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA	3.49%	3.55%	18 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
18 Mo Certificate - Regular, IRA, ESA	3.49%	3.55%	18 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
6 Mo Certificate - Regular, IRA, ESA	3.40%	3.45%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
6 Mo Certificate - Regular, IRA, ESA	3.40%	3.45%	6 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
6 Mo Certificate - Regular, IRA, ESA	3.40%	3.45%	6 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
24 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
24 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	24 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
24 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	24 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
36 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
36 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	36 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
36 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	36 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
48 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
48 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	48 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
48 Mo Certificate - Regular, IRA, ESA	2.47%	2.50%	48 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
60 Mo Certificate - Regular, IRA, ESA, Optima Club	2.47%	2.50%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$19,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
60 Mo Certificate - Regular, IRA, ESA, Optima Club	2.47%	2.50%	60 months
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000-$49,999.99; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
60 Mo Certificate - Regular, IRA, ESA, Optima Club	2.47%	2.50%	60 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 or more; APY = Annual Percentage Yield; Penalty for early withdrawal may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Savings Rates

Product	Rate	APY
Unitus Rewards Savings	-	5.00%
Details Available only with Unitus Checking; restrictions may apply; rate effective 12/12/25; APY may change at any time Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	2.96%	3.00%
Min Balance $0 Details Balance: $0.00 - $2,499.99; highest rate on balances up to $2,499.99; $10 one-time membership fee and $5 Prime Share deposit required to open; rate effective 12/12/25; available to consumer, trust, and business accounts; limit one Go Savings per Unitus membership Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96% Sep 26, 20263.00%▲ from 2.96% Sep 14, 20262.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99; APY Range: 3.00% - 1.51% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	0.03%	0.03%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99; APY Range: 1.51% - 0.33% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 0.03% ▼ 1.48 pts · high 1.51% / low 0.03% Oct 19, 20260.03%▼ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; APY Range: 0.33% - 0.18% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.33% → 0.03% ▼ 0.30 pts · high 0.33% / low 0.03% Oct 19, 20260.03%▼ from 0.33% Sep 14, 20260.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	0.03%	0.03%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; APY Range: 0.18% - 0.10% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.18% → 0.03% ▼ 0.15 pts · high 0.18% / low 0.03% Oct 19, 20260.03%▼ from 0.18% Sep 14, 20260.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Go Savings	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000 or more; APY Range: 0.10% - 0.03% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.03% ▼ 0.07 pts · high 0.10% / low 0.03% Oct 19, 20260.03%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Savings Deposit Accounts: Special Savings and Reserve Account	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Savings Deposit Accounts: Special Savings and Reserve Account	0.01%	0.01%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Business Savings Rates

Product	Rate	APY
Prime Share - Personal, Business, IRA, HSA, ESA	0.10%	0.10%
Min Deposit $5 Min Balance $25,000 Details Dividend rate; Balance: $25,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Prime Share - Personal, Business, IRA, HSA, ESA	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Dividend rate; Balance: $5.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Basic Business Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Basic Business Savings Account	0.01%	0.01%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Account (Personal)	2.96%	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	2.47%	2.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Personal)	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Business Money Market Rates

Product	Rate	APY
Money Market Account (Business)	3.93%	4.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	3.93%	4.00%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	3.93%	4.00%
Min Balance $2,500,000 Details Balance: $2,500,000 or more Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	1.98%	2.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Money Market Account (Business)	1.00%	1.00%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	5.37%	5.50%
Min Balance $0 Details Qualifications Required; Balance: $0 - $14,999.99 (requirements met); Qualifying balance up to $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Business Interest Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Fixed Rate Segment for Home Equity Line of Credit - 80% Combined Loan to Value (CLTV)	-	-	5.74%
Details APR Range: 5.74%-15.275%; Margin: N/A; Floor Rate: N/A; Max Rate: N/A; Maximum Rate is 18%; owner occupied, detached single family residential properties only Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.04%	0 to 36 Months
Details Credit Score: 740+; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Autos (2025 or Newer)	-	-	5.04%	Up to 36 months
Details APR range: 5.04% - 15.69%; Min. Loan Amount: $500; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.04% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.24%	37 to 60 Months
Details Credit Score: 740+; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Autos (2025 or Newer)	-	-	5.24%	37-60 months
Details APR range: 5.24% - 15.79%; Min. Loan Amount: $5,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Used Autos	-	-	5.29%
Details As Low As; Model Year: 2017 - 2024 Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 5.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.34%	61 to 66 Months
Details Credit Score: 740+; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Autos (2025 or Newer)	-	-	5.34%	61-66 months
Details APR range: 5.34% - 15.89%; Min. Loan Amount: $6,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.44%	67 to 75 Months
Details Credit Score: 740+; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Autos (2025 or Newer)	-	-	5.44%	67-75 months
Details APR range: 5.44% - 15.99%; Min. Loan Amount: $10,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.49%	0 to 36 Months
Details Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.69%	37 to 60 Months
Details Credit Score: 700-739; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.69%	76 to 84 Months
Details Credit Score: 740+; Loan Amount: $15,000 - $250,000; 84 month term available on 2017 or newer models only; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Autos (2025 or Newer)	-	-	5.69%	76-84 months
Details APR range: 5.69% - 16.09%; Min. Loan Amount: $15,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.69% ▲ 0.20 pts · high 5.69% / low 5.49% Sep 26, 20265.69%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.79%	61 to 66 Months
Details Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	5.89%	67 to 75 Months
Details Credit Score: 700-739; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	6.19%	0 to 36 Months
Details Credit Score: 660-699; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Older Autos	-	-	6.29%
Details As Low As; Model Year: 2016 or Older Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 6.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	6.39%	37 to 60 Months
Details Credit Score: 660-699; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	6.49%	61 to 66 Months
Details Credit Score: 660-699; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	6.81%	67 to 75 Months
Details Credit Score: 660-699; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.81% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	7.74%	0 to 36 Months
Details Credit Score: 610-659; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	8.16%	37 to 60 Months
Details Credit Score: 610-659; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	8.26%	61 to 66 Months
Details Credit Score: 610-659; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	8.36%	67 to 75 Months
Details Credit Score: 610-659; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	14.69%	0 to 36 Months
Details Credit Score: 560-609; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	14.79%	37 to 60 Months
Details Credit Score: 560-609; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	14.89%	61 to 66 Months
Details Credit Score: 560-609; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	14.99%	67 to 75 Months
Details Credit Score: 560-609; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	15.69%	0 to 36 Months
Details Credit Score: 559 or lower; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 15.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	15.79%	37 to 60 Months
Details Credit Score: 559 or lower; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 15.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	15.89%	61 to 66 Months
Details Credit Score: 559 or lower; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 15.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Auto Loan	-	-	15.99%	67 to 75 Months
Details Credit Score: 559 or lower; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 15.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Powersports & Motorcycle Loans (2024 or Newer)	-	7.19%	Up to 84 months
Details APR range: 7.19% - 20.99%; Min. Loan Amount: $500; Used (2021-2023): add 0.50% to New rates, max term 96 months; Older (2020 or Older): add 2.00% to New rates, max term 84 months; Rates based on credit history and qualifications Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.69% → 7.19% ▼ 0.50 pts · high 7.69% / low 7.19% Oct 9, 20267.19%▼ from 7.69% Sep 18, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New RV & Boat Loans (2024 or Newer)	-	7.24%	Up to 84 months
Details APR range: 7.24% - 20.24%; Min. Loan Amount: $500; Used RVs and Boats (2021-2023): Add 0.50% to New rates, maximum term 180 months; Older RVs and Boats (2020 or Older): Add 1.50% to New rates, maximum term 144 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New RV & Boat Loans (2024 or Newer)	-	7.74%	85 - 120 months
Details APR range: 7.74% - 20.74%; Min. Loan Amount: $10,000; Used RVs and Boats (2021-2023): Add 0.50% to New rates, maximum term 180 months; Older RVs and Boats (2020 or Older): Add 1.50% to New rates, maximum term 144 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New RV & Boat Loans (2024 or Newer)	-	7.99%	121 - 144 months
Details APR range: 7.99% - 20.99%; Min. Loan Amount: $20,000; Used RVs and Boats (2021-2023): Add 0.50% to New rates, maximum term 180 months; Older RVs and Boats (2020 or Older): Add 1.50% to New rates, maximum term 144 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New RV & Boat Loans (2024 or Newer)	-	8.49%	145 - 180 months
Details APR range: 8.49% - 21.49%; Min. Loan Amount: $40,000; Used RVs and Boats (2021-2023): Add 0.50% to New rates, maximum term 180 months; Older RVs and Boats (2020 or Older): Add 1.50% to New rates, maximum term 144 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New Powersports & Motorcycle Loans (2024 or Newer)	-	9.74%	85 - 96 months
Details APR range: 9.74% - 22.74%; Min. Loan Amount: $15,000; Used (2021-2023): add 0.50% to New rates, max term 96 months; Older (2020 or Older): add 2.00% to New rates, max term 84 months; Rates based on credit history and qualifications Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
New RV & Boat Loans (2024 or Newer)	-	9.74%	181 - 240 months
Details APR range: 9.74% - 10.74%; Min. Loan Amount: $60,000; Contact us for details regarding term availability; Used RVs and Boats (2021-2023): Add 0.50% to New rates, maximum term 180 months; Older RVs and Boats (2020 or Older): Add 1.50% to New rates, maximum term 144 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Rewards Visa Card	-	11.49%
Details APR by credit score (740+ 11.49%; 739-700 13.99%; 699-660 14.49%; 659-610 15.49%; 609-560 16.99%; 559 or below 18.00%); APR applies to purchases, cash advances and balance transfers; APR is based on creditworthiness at opening and then adds a margin to the Prime Rate; cash advances and balance transfers do not earn Unitus Rewards Points or Cash Back Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Classic Credit Card	-	13.49%
Details Regular APR by credit score: 740+ 13.49%; 739-700 15.99%; 699-660 16.49%; 659-610 17.49%; 609-560 18.00%; 559 or below 18.00%. Applies to purchases, cash advances and balance transfers. APR is based on creditworthiness at opening, then Prime Rate plus a margin. Cash advances and balance transfers do not earn Unitus Rewards Points or Cash Back. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Business Platinum Rewards Visa Card	-	13.74%
Details APR range: 13.74% - 25.74%; Applies to purchases and balance transfers; cash advances may be higher; APR is based on creditworthiness and calculated by adding a margin to the Prime Rate; cash advances and balance transfers do not earn Unitus Rewards Points Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 9, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	13.99%
Details Credit Score: 740+; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	16.99%
Details Credit Score: 739-700; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 16.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	19.49%
Details Credit Score: 699-660; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 19.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	20.74%
Details Credit Score: 659-610; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 20.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	21.24%
Details Credit Score: 609-560; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 21.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Cash Back Rewards Credit Card	-	23.24%
Details Credit Score: 559 or below; Credit card APR for purchases and balance transfers; cash advances may be higher; APR calculated by adding a margin to the Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 23.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%
Details Credit Score: 740+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Loan	10.49%
Details Credit Score: 739 - 700 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 10.49% → 10.49% ▼ 0.00 pts · high 10.49% / low 9.99% Oct 19, 202610.49%▲ from 9.99% Oct 9, 20269.99%▼ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	11.99%
Details Credit Score: 740+; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	13.99%
Details Credit Score: 739 - 700; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.74% → 13.99% ▲ 2.25 pts · high 13.99% / low 11.74% Oct 13, 202613.99%▲ from 11.99% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Loan	13.99%
Details Credit Score: 699 - 660 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 13.99% → 13.99% ▼ 0.00 pts · high 13.99% / low 9.99% Oct 19, 202613.99%▲ from 9.99% Oct 9, 20269.99%▼ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Loan	15.49%
Details Credit Score: 659 - 610 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 15.49% → 15.49% ▼ 0.00 pts · high 15.49% / low 9.99% Oct 19, 202615.49%▲ from 9.99% Oct 9, 20269.99%▼ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	16.99%
Details Credit Score: 699 - 660; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.74% → 16.99% ▲ 5.25 pts · high 16.99% / low 11.74% Oct 13, 202616.99%▲ from 11.99% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Loan	18.49%
Details Credit Score: 609 - 560 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 18.49% → 18.49% ▼ 0.00 pts · high 18.49% / low 9.99% Oct 19, 202618.49%▲ from 9.99% Oct 9, 20269.99%▼ from 18.49% Sep 14, 202618.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	18.99%
Details Credit Score: 659 - 610; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.74% → 18.99% ▲ 7.25 pts · high 18.99% / low 11.74% Oct 13, 202618.99%▲ from 11.99% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	19.24%
Details Credit Score: 609 - 560; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.74% → 19.24% ▲ 7.50 pts · high 19.24% / low 11.74% Oct 13, 202619.24%▲ from 11.99% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Loan	19.49%
Details Credit Score: 559 or below Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 19.49% → 19.49% ▼ 0.00 pts · high 19.49% / low 9.99% Oct 19, 202619.49%▲ from 9.99% Oct 9, 20269.99%▼ from 19.49% Sep 14, 202619.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Personal Line of Credit	19.99%
Details Credit Score: 559 or below; Variable rate; Revolving repayment period; $100 minimum loan amount; Margin ranges 2.50% to 10.00% Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 11.74% → 19.99% ▲ 8.25 pts · high 19.99% / low 11.74% Oct 13, 202619.99%▲ from 11.99% Oct 9, 202611.99%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

Unitus Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Bicycle Loan	-	-	6.99%
Details Credit Score: 740+; Available on new purchases only; Total purchase price including accessories cannot exceed 120% of bicycle retail price; Minimum loan amount $250; Maximum repayment 48 months or 12 months per $1,000 borrowed Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Immigration Loan	-	-	6.07%
Details Finances naturalization, immigration, DACA and related fees; page also states 0% interest on fixed low monthly payments; additional terms apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.07% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Interest Only Payment Product - 80% Combined Loan to Value (CLTV or Less)	-	-	6.75%
Details APR Range: 6.75%-12.50%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%; Maximum Rate is 18%; owner occupied, detached single family residential properties only Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Principal and Interest Payment Product - 80% Combined Loan to Value (CLTV)	-	-	6.75%
Details APR Range: 6.75%-12.50%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%; Maximum Rate is 18%; owner occupied, detached single family residential properties only Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Health Savings Account Checking	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99; Contact us to open your account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Health Savings Account Checking	0.05%	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Contact us to open your account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Health Savings Account Checking	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Contact us to open your account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Health Savings Account Checking	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000 or more; Contact us to open your account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Prime Share Savings	0.05%	-	0.05%
Min Balance $5 Details Balance: $5 - $24,999.99; Accounts: Personal, Health Savings Account, Coverdell Education Savings Account, and IRA Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%
Prime Share Savings	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000 or more; Accounts: Personal, Health Savings Account, Coverdell Education Savings Account, and IRA Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.01%

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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Financial Health History

Unitus Community Credit Union’s Texas Ratio stayed near 2.73% in Q3 2023 to 3.01% 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	$1.8B	3.01%	5.0	A+
March 31, 2026	$1.8B	2.83%	5.0	A+
December 31, 2025	$1.7B	4.30%	5.0	A+
September 30, 2025	$1.7B	3.85%	5.0	A+
June 30, 2025	$1.7B	2.85%	5.0	A+
March 31, 2025	$1.7B	2.59%	5.0	A+
December 31, 2024	$1.7B	4.13%	5.0	A+
September 30, 2024	$1.7B	2.53%	5.0	A+
June 30, 2024	$1.7B	2.70%	5.0	A+
March 31, 2024	$1.8B	2.65%	5.0	A+
December 31, 2023	$1.7B	3.38%	5.0	A+
September 30, 2023	$1.7B	2.73%	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 Unitus Community 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 Unitus Community 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 Unitus Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Unitus Community Credit Union

Website https://www.unitusccu.com

Address 7632 SW Durham Rd, Tigard, OR 97224

Phone 800-452-0900

Fax

President Nicole Davison Le?n

CEO Steven Stapp

Full-Time Employees 315

Part-Time Employees 13

Branch Locations 11

ATM Locations 11

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

3.01%

Return on Assets (ROA)

0.1255%

Return on Equity (ROE)

1.2731%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

1,809,623,273

Total Amount of Shares and Deposits

1,606,096,121

Total Shares and Deposits < 1 Year

1,231,354,111

Total Shares and Deposits 1 3 Years

367,539,972

Total Shares and Deposits > 3 Years

7,202,038

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

143,169,754

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

143,169,754

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

1,462,926,367

Total Interest Expense (Sum of items 6 8)

12,785,325

Share Certificates

10,737

Number of Accounts for Share Drafts

68,739

IRA KEOGH Accounts

4,849

Number of Accounts for Regular Shares

187,818

All other shares

343

Non Member Deposits

Money Market Shares

4,510

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

2,270,721

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)

176,005,829

Total Liabilities

1,632,642,204

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Unitus Community Credit Union earned the Verified Healthy badge

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Customer Reviews

Cynthia

★★★★★

September 26, 2024

Convienient locations, easy, secure on-line access and manuverability, decent rates of return, average mortgage rates. Friendly, prompt, knowledgable in-person service. Prompt response to on-line inquiries.

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Unitus Community Credit Union

Does Unitus Community Credit Union offer CDs?

Yes. Unitus Community Credit Union current CD rates include its 12 Mo CD - Regular, IRA, ESA at 3.65% APY, its 18 Mo CD - Regular, IRA, ESA at 3.55% APY and its 6 Mo CD - Regular, IRA, ESA at 3.45% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Unitus Community Credit Union NCUA insured?

Yes. Unitus Community 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 Unitus Community Credit Union?

The highest Unitus Community Credit Union CD rate is its 12 Mo CD - Regular, IRA, ESA at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Unitus Community Credit Union offer?

Unitus Community Credit Union CD rates are 3.45% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.55% APY for an 18 month CD, 2.50% APY for a 2 year CD and 2.50% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Unitus Community Credit Union for its full lineup.

What is the highest savings rate at Unitus Community Credit Union?

The highest Unitus Community Credit Union savings rate is its Unitus Rewards Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Unitus Community Credit Union?

The highest Unitus Community Credit Union money market rate is its Money Market Account (Business) at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Unitus Community Credit Union?

The highest Unitus Community Credit Union checking rate is its Interest Checking at 5.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Unitus Community Credit Union?

The lowest Unitus Community Credit Union auto loan rate is its New Auto Loan at 5.04% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Unitus Community Credit Union?

The lowest Unitus Community Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Unitus Community Credit Union?

The lowest Unitus Community Credit Union credit card APR is its Platinum Rewards Visa Card Credit Card at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Unitus Community Credit Union operate?

Unitus Community 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 Unitus Community Credit Union?

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

Does Unitus Community Credit Union offer online and mobile banking?

Most modern institutions like Unitus Community 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.unitusccu.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 Unitus Community Credit Union rates compare?

Unitus Community Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. Unitus Community Credit Union's top rates are its 12 Mo CD - Regular, IRA, ESA at 3.65% APY, its Unitus Rewards Savings at 5.00% APY, its Money Market Account (Business) at 4.00% APY, its Interest Checking at 5.50% APY, its Personal Loan at 9.99% APR and its Platinum Rewards Visa Card Credit Card at 11.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Unitus Community Credit Union Rates

Savings5.00%
MMA4.00%

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

Compare to Other Credit Unions

Unitus Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Unitus Community Credit Union Texas Ratio

Unitus Community Credit Union Health Trend

Unitus Community Credit Union CD Rates

Unitus Community Credit Union Savings Rates

Unitus Community Credit Union Business Savings Rates

Unitus Community Credit Union Money Market Rates

Unitus Community Credit Union Business Money Market Rates

Unitus Community Credit Union Checking Rates

Unitus Community Credit Union Business Checking Rates

Unitus Community Credit Union Home Equity & HELOC

Unitus Community Credit Union Auto Loan Rates

Unitus Community Credit Union RV, Boat and Powersport Loan Rates

Unitus Community Credit Union Credit Card Rates

Unitus Community Credit Union Personal Loan Rates

Unitus Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Unitus Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unitus Community Credit Union

Does Unitus Community Credit Union offer CDs?

Are CDs from Unitus Community Credit Union NCUA insured?

What is the highest CD rate at Unitus Community Credit Union?

What CD terms does Unitus Community Credit Union offer?

What is the highest savings rate at Unitus Community Credit Union?

What is the highest money market rate at Unitus Community Credit Union?

What is the highest checking rate at Unitus Community Credit Union?

What is the lowest auto loan rate at Unitus Community Credit Union?

What is the lowest personal loan rate at Unitus Community Credit Union?

What is the lowest credit card APR at Unitus Community Credit Union?

How many branches does Unitus Community Credit Union operate?

Is a member application needed to join Unitus Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unitus Community 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 Unitus Community Credit Union rates compare?

Current Unitus Community Credit Union Rates

Compare to Other Credit Unions