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UNIVERSAL COOP Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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: March 28, 2026

You can compare UNIVERSAL COOP rates to other rates in our database, including 12-month share certificate rates currently at 1.77%, 6-month share certificate rates at 3.77% and 3-month share certificate rates at 2.50%. Savings rates are at 0.50% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to UNIVERSAL COOP rates. MonitorBankRates evaluates the financial stability of UNIVERSAL COOP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.50%. Rates were last updated on 03/28/2026.

UNIVERSAL COOP 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 UNIVERSAL COOP? Share your experience about UNIVERSAL COOP by leaving a review below, or read customer reviews before you decide to use UNIVERSAL COOP.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.50%
Excellent Lower than avg
Auburn State Bank NE
Rio Grande
14 Calle Pimentel
Rio Grande, PR 00745
http://www.universalcoopfcu.com
Member NCUA

Current Rate Availability

We do not have UNIVERSAL COOP rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for UNIVERSAL COOP 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 UNIVERSAL COOP 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 UNIVERSAL COOP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UNIVERSAL COOP
Website http://www.universalcoopfcu.com
Address 14 Calle Pimentel, Rio Grande, PR 00745
Phone 787-887-2195
Fax 787-887-5622
President Juan Perez Mercado
CEO Ernesto Santiago Santos
Full-Time Employees 14
Part-Time Employees 1
Branch Locations 2
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+ (99/100)
Texas Ratio
1.50%
Return on Assets (ROA)
-0.1075%
Return on Equity (ROE)
-1.1143%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
26,960,117
Total Amount of Shares and Deposits
25,059,252
Total Shares and Deposits < 1 Year
24,945,783
Total Shares and Deposits 1 3 Years
113,469
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,121
Total Uninsured Shares and Deposits > $250K (F+J)
11,121
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,048,131
Total Interest Expense (Sum of items 6 8)
14,577
Share Certificates
25
Number of Accounts for Share Drafts
176
Number of Accounts for Regular Shares
4,228
All other shares
60
Net Income (unless the amount is already included in Undivided Earnings)
-28,980
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,130,082
Total Liabilities
25,203,807
Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for UNIVERSAL COOP yet. Feel free to create one below.
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Total Reviews
0
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Frequently Asked Questions About UNIVERSAL COOP

Is UNIVERSAL COOP a safe place to deposit money?

Yes, UNIVERSAL COOP is considered a safe financial institution. With a Texas Ratio of 1.5002778007409%, 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 UNIVERSAL COOP operate?

UNIVERSAL COOP 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 UNIVERSAL COOP?

Yes, to access services at UNIVERSAL COOP, 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, UNIVERSAL COOP 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, UNIVERSAL COOP provides members with tools to manage their accounts and build a solid financial history.

Does UNIVERSAL COOP offer online and mobile banking?

Most modern institutions like UNIVERSAL COOP 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: http://www.universalcoopfcu.com.

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