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iAdvertiser Disclosure
Advertiser Disclosure
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 Unity One Credit Union Rates & Review November 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 30, 2026
Unity One Credit Union's 6 Month Savings CD rates are at 3.80%, 1 Year Savings CD rates are at 3.55%, 18 Month Savings CD rates are at 3.50%, 2 Year Savings CD rates are at 3.50%, 3 Year Savings CD rates are at 3.50%. Unity One Credit Union's savings rates are at 1.60%. Unity One Credit Union's money market rates are at 1.60%. Unity One Credit Union's checking rates are as high as 0.01%. Unity One Credit Union's Personal Loan Rates are as low as 8.24%. Unity One Credit Union's Credit Card Rates are at 7.90%. Unity One Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Unity One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.22%. Rates last updated and verified on 10/30/2026. Unity One 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 Unity One Credit Union? Share your experience about Unity One Credit Union by leaving a review below, or read customer reviews before you decide to use Unity One Credit Union. Unity One Credit Union
Campus Branch 6701 Burlington Blvd
https://www.unityone.org Fort Worth, TX 76131  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. Unity One Credit Union CD Rates
Unity One Credit Union Savings Rates
Unity One Credit Union Money Market Rates
Unity One Credit Union Checking Rates
Unity One Credit Union Auto Loan Rates
Unity One Credit Union RV, Boat and Powersport Loan Rates
Unity One Credit Union Credit Card Rates
Unity One Credit Union Personal Loan Rates
Unity One Credit Union Other Rates
Financial Health HistoryUnity One Credit Union’s Texas Ratio rose from 3.39% in Q3 2023 to 6.22% 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 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 Unity One 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 Unity One 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 Unity One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Unity One Credit Union
Website
https://www.unityone.org
Address
6701 Burlington Blvd,
Fort Worth, TX 76131
Phone
817-306-3100
Fax
817-306-3101
President
Richard Ebel
CEO
Scott Ward
Full-Time Employees
67
Part-Time Employees
11
Branch Locations
7
ATM Locations
9
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.22%
Return on Assets (ROA)
-0.2036%
Return on Equity (ROE)
-2.4272%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
275,917,319
Total Amount of Shares and Deposits
260,017,936
Total Shares and Deposits < 1 Year
256,188,412
Total Shares and Deposits 1 3 Years
3,829,523
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,629,093
Total Uninsured Shares and Deposits > $250K (F+J)
11,629,093
Total Insured Shares and Deposits > $250K (item 17 less item K)
248,388,843
Total Interest Expense (Sum of items 6 8)
1,260,479
Share Certificates
1,310
Number of Accounts for Share Drafts
12,935
IRA KEOGH Accounts
312
Number of Accounts for Regular Shares
26,749
Money Market Shares
408
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)
36,008,736
Total Liabilities
263,692,847
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Unity One Credit Union
Frequently Asked Questions About Unity One Credit UnionDoes Unity One Credit Union offer CDs?Yes. Unity One Credit Union current CD rates include its 6 Month Savings CD at 3.80% APY, its 1 Year Savings CD at 3.55% APY and its 18 Month Savings CD at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Unity One Credit Union NCUA insured?Yes. Unity One 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 Unity One Credit Union?The highest Unity One Credit Union CD rate is its 6 Month Savings CD at 3.80% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Unity One Credit Union offer?Unity One Credit Union CD rates are 3.80% APY for a 6 month CD, 3.55% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD and 3.50% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Unity One Credit Union for its full lineup. What is the highest savings rate at Unity One Credit Union?The highest Unity One Credit Union savings rate is its High Yield Savings Account at 1.60% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Unity One Credit Union?The highest Unity One Credit Union money market rate is its Money Market Account at 1.60% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Unity One Credit Union?The highest Unity One Credit Union checking rate is its Best Free Checking at 0.01% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Unity One Credit Union?The lowest Unity One Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Unity One Credit Union?The lowest Unity One Credit Union personal loan rate is its Signature & Lifestyle Loans at 8.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Unity One Credit Union?The lowest Unity One Credit Union credit card APR is its VISA Gold Credit Card at 7.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Unity One Credit Union operate?Unity One 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 Unity One Credit Union?Yes, to access services at Unity One 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, Unity One 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, Unity One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Unity One Credit Union offer online and mobile banking?Most modern institutions like Unity One 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.unityone.org. 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 Unity One Credit Union rates compare?Unity One Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A health rating. Unity One Credit Union's top rates are its 6 Month Savings CD at 3.80% APY, its High Yield Savings Account at 1.60% APY, its Money Market Account at 1.60% APY, its Best Free Checking at 0.01% APY, its Signature & Lifestyle Loans at 8.24% APR and its VISA Gold Credit Card at 7.90% APR, verified by MonitorBankRates on October 30, 2026. Current Unity One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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