What are the current interest rates at University Federal Credit Union?

Current rates for University Federal Credit Union include: 12-Month CD: 0.25%, 18-Month CD: 3.55%, 24-Month CD: 3.95%, 60-Month CD: 3.70%, Savings: 0.25%, MMA: 0.06%

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University Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University 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 7, 2026

University Federal Credit Union's top rates as of October 7, 2026 are 4.10% APY on its 24 Month Business Fixed Rate CD, 0.25% APY on savings, 0.06% APY on money market accounts, 2.25% APY on checking, personal loans from 12.90% APR, and credit cards from 9.49% APR, according to rates verified by MonitorBankRates. Other University Federal Credit Union CD rates include 24 Month Fixed-Rate CD at 4.10%, Fixed-Rate IRA - 24 Month at 4.10%, and 24 Month Business Fixed Rate CD at 3.95%. MonitorBankRates evaluates the financial stability of University Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.13%. Rates last updated and verified on 10/07/2026.

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

7.13%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

University Federal Credit Union
Corporate Headquarters

8303 N Mo Pac Expy
Austin, TX 78759-8501

https://www.ufcu.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.

University Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Fixed-Rate Certificate	4.025%	4.10%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 24 Month	4.025%	4.10%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
24 Month Fixed-Rate Certificate	3.88%	3.95%	24 Month Step-Up
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 24 Month Step-Up	3.88%	3.95%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
48 Month Fixed-Rate Certificate	3.639%	3.70%	48 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
6 Month Fixed-Rate Certificate	3.639%	3.70%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
60 Month Fixed-Rate Certificate	3.639%	3.70%	60 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 48 Month	3.639%	3.70%	48 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 6 Month	3.639%	3.70%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 60 Month	3.639%	3.70%	60 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
36 Month Fixed-Rate Certificate	3.542%	3.60%	36 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 36 Month	3.542%	3.60%	36 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
18 Month Fixed-Rate Certificate	3.494%	3.55%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
12 Month Fixed-Rate Certificate	3.445%	3.50%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
12 Month Variable-Rate Early Saver Certificate	3.445%	3.50%	12 Month
Min Balance $0 Details Balance: 12 Month-up to $20,000; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed-Rate IRA - 12 Month	3.445%	3.50%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
3 Month Fixed-Rate Certificate	3.203%	3.25%	3 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
12 Month Variable-Rate Early Saver Certificate	0.25%	0.25%	12 Month
Min Balance $20,000 Details Balance: 12 Month-over $20,000; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Business CD Rates

Product	Rate	APY	Term
24 Month Business Fixed Rate Certificate	4.025%	4.10%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
24 Month Business Fixed Rate Certificate	3.88%	3.95%	24 Month Step-Up
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
48 Month Business Fixed Rate Certificate	3.639%	3.70%	48 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
6 Month Business Fixed Rate Certificate	3.639%	3.70%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
60 Month Business Fixed Rate Certificate	3.639%	3.70%	60 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
36 Month Business Fixed Rate Certificate	3.542%	3.60%	36 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
18 Month Business Fixed Rate Certificate	3.494%	3.55%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
12 Month Business Fixed Rate Certificate	3.445%	3.50%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
3 Month Business Fixed Rate Certificate	3.203%	3.25%	3 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings	0.01%	0.01%
Min Balance $100 Details Balance: $100 and more; Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Premium Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 and more; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Savings	0.01%	0.01%
Min Balance $100 Details Balance: $100 and more; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.06%	0.06%
Min Balance $0 Details Balance: $0 to $10,000 w/ Bonus Dividend; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Money Market	0.06%	0.06%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 w/ Bonus Dividend; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 to $10,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.06%	0.06%
Min Balance $0 Details Balance: $0 to $10,000 w/ Bonus Dividend; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Money Market	0.06%	0.06%
Min Balance $10,000 Details Published APY range: 0.06-0.13%. Balance: $10,000 to $49,999.99 w/ Bonus Dividend; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 0.01% → 0.06% ▲ 0.05 pts · high 0.06% / low 0.01% Oct 7, 20260.06%▲ from 0.01% Sep 14, 20260.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 to $10,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 0.06% → 0.01% ▼ 0.05 pts · high 0.06% / low 0.01% Sep 18, 20260.01%▼ from 0.06% Sep 14, 20260.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Checking Rates

Product	Rate	APY
Plus Checking	2.227%	2.25%
Min Balance $0 Details Balance: $0 - $10,000; Qualifications Required: 20 eligible card transactions a month; Complete at least 20 eligible card transactions a month to earn a bonus dividend. Certain restrictions apply. Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Teen Checking	0.499%	0.50%
Min Balance $0 Details Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Plus Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $10,000; Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Plus Checking	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000+; Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 0.01% ▼ 2.24 pts · high 2.25% / low 0.01% Oct 7, 20260.01%▼ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Premium Checking	0.05%	0.05%
Min Balance $100 Details Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Must meet eligibility requirements. Certain restrictions apply. Programs subject to change without notice. Last Updated 10/07/2026 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: 7.13%

University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business Auto Loans	-	-	6.50%	12 to 48 Months
Details Additional APR listed for this product: 7.25%, 8.25%. A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loans	-	-	7.00%	49 to 66 Months
Details Additional APR listed for this product: 7.75%, 8.75%. A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loan	-	-	8.50%	12 to 36 Months
Details Additional APR listed for this product: 9.25%, 10.25%. Loan documentation fee of $175 will be assessed at closing. Term restrictions may apply. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 2, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loan	-	-	9.00%	37 to 60 Months
Details Additional APR listed for this product: 9.75%, 10.75%. Loan documentation fee of $175 will be assessed at closing. Term restrictions may apply. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 2, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loans	-	-	10.75%
Details Additional APR listed for this product: 11.50%, 12.50%. All rates are indexed to Wall Street Journal Prime Rate of the previous month. Your rate during the 2-year revolving period is set on the first day of each month. On the first day of the 25th month, when your 5-year term begins, your rate becomes fixed. Your rate is fixed on the 25th month, when your 5-year term begins. A loan documentation fee of $175 will be assessed at closing. Last Updated 10/07/2026 Rate History 3 changes since Sep 14, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 11.50% / low 10.50% Oct 7, 202610.75%▼ from 11.50% Oct 2, 202611.50%▲ from 11.25% Sep 24, 202611.25%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Credit Card Rates

Product	Rate	APR
Great Rate VISA	-	9.49%
Details Good: 11.49%; Average: 13.49%; Fair: 16.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Great Rate VISA	-	11.49%
Details Excellent: 9.49%; Average: 13.49%; Fair: 16.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Great Rate VISA	-	13.49%
Details Excellent: 9.49%; Good: 11.49%; Fair: 16.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Great Rate VISA	-	13.90%
Details Excellent credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	13.90%
Details Good: 14.90%; Average: 15.90%; Fair: 16.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Great Rate VISA	-	14.90%
Details Good credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	14.90%
Details Good: 15.90%; Average: 16.90%; Fair: 17.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	14.90%
Details Excellent: 13.90%; Average: 15.90%; Fair: 16.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Cash Back VISA	-	15.90%
Details Excellent credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Great Rate VISA	-	15.90%
Details Average credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Travel Rewards VISA	-	15.90%
Details Excellent credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	15.90%
Details Excellent: 14.90%; Average: 16.90%; Fair: 17.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	15.90%
Details Excellent: 13.90%; Good: 14.90%; Fair: 16.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Great Rate VISA	-	16.49%
Details Excellent: 9.49%; Good: 11.49%; Average: 13.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Cash Back VISA	-	16.90%
Details Good credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Travel Rewards VISA	-	16.90%
Details Good credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	16.90%
Details Excellent: 14.90%; Good: 15.90%; Fair: 17.49%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	16.90%
Details Excellent: 13.90%; Good: 14.90%; Average: 15.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	17.49%
Details Excellent: 14.90%; Good: 15.90%; Average: 16.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Cash Back VISA	-	17.90%
Details Average credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Travel Rewards VISA	-	17.90%
Details Average credit and risk score Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	17.90%
Details Excellent: 14.90%; Good: 15.90%; Average: 16.90%; Fair: 17.49%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Great Rate VISA	-	17.90%
Details Excellent: 9.49%; Good: 11.49%; Average: 13.49%; Fair: 16.49%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	17.90%
Details Excellent: 13.90%; Good: 14.90%; Average: 15.90%; Fair: 16.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	12.90%	Up to 60 Months
Details Additional APR listed for this product: 14.90%, 16.90%, 17.90%. Monthly payment per $1,000 borrowed: $22.70. Minimum loan amounts may apply. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	14.90%
Details Excellent: 12.90%; Average: 16.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	16.90%
Details Excellent: 12.90%; Good: 14.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	17.90%
Details Excellent: 12.90%; Good: 14.90%; Average: 16.90%; Marginal: 17.90%; Low / No score: 17.90% Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Working Capital Loan	-	-	10.00%	12 to 36 Months
Details Additional APR listed for this product: 10.75%, 11.75%. Loan documentation fee of $175 will be assessed at closing. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 2, 202610.00%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Working Capital Loan	-	-	10.50%	37 to 60 Months
Details Additional APR listed for this product: 11.25%, 12.25%. Loan documentation fee of $175 will be assessed at closing. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 2, 202610.50%▲ from 10.25% Sep 18, 202610.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Teen	0.499%	-	0.50%
Min Balance $0 Details Balance: Less Than $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Teen & Kidz	0.25%	-	0.25%
Min Balance $1 Details Balance: $1 and more; Rate is variable and subject to change after account is opened. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Variable-Rate IRA	0.01%	-	0.01%	Variable
Details Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

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

University Federal Credit Union’s Texas Ratio rose from 3.32% in Q3 2023 to 7.13% 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)

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	$4.3B	7.13%	5.0	A
March 31, 2026	$4.3B	6.74%	5.0	A
December 31, 2025	$4.2B	8.17%	5.0	A
September 30, 2025	$4.2B	7.63%	5.0	A
June 30, 2025	$4.2B	6.69%	5.0	A
March 31, 2025	$4.1B	5.99%	5.0	A+
December 31, 2024	$4.0B	6.81%	5.0	A
September 30, 2024	$4.1B	6.10%	5.0	A
June 30, 2024	$4.1B	5.65%	5.0	A+
March 31, 2024	$4.2B	4.95%	5.0	A+
December 31, 2023	$4.0B	5.33%	5.0	A+
September 30, 2023	$4.0B	3.32%	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 University 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 University 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 University Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University Federal Credit Union

Website https://www.ufcu.org

Address 8303 N Mo Pac Expy, Austin, TX 78759-8501

Phone 512-467-8080

Fax

President Molly Malcolm

CEO Michael Crowl

Full-Time Employees 735

Part-Time Employees 14

Branch Locations 30

ATM Locations 32

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

7.13%

Return on Assets (ROA)

0.3829%

Return on Equity (ROE)

4.0165%

Non-Performing Loans Ratio (NPL)

1.11%

Total Assets

4,269,250,552

Total Amount of Shares and Deposits

3,462,800,178

Total Shares and Deposits < 1 Year

3,337,365,581

Total Shares and Deposits 1 3 Years

108,087,936

Total Shares and Deposits > 3 Years

17,346,661

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

283,254,913

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

283,254,913

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

3,179,545,265

Total Interest Expense (Sum of items 6 8)

21,033,406

Share Certificates

20,827

Number of Accounts for Share Drafts

294,832

IRA KEOGH Accounts

3,792

Number of Accounts for Regular Shares

429,904

Non Member Deposits

Money Market Shares

26,969

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)

85,056,017

Total Liabilities

3,875,585,919

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

University 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About University Federal Credit Union

How many branches does University Federal Credit Union operate?

University 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 University Federal Credit Union?

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

Does University Federal Credit Union offer online and mobile banking?

Most modern institutions like University 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.ufcu.org.

Current University Federal Credit Union Rates

12-Month CD0.25%
18-Month CD3.55%
24-Month CD3.95%
60-Month CD3.70%
Savings0.25%
MMA0.06%

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

Compare to Other Credit Unions

University Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

University Federal Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

University Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About University Federal Credit Union

How many branches does University Federal Credit Union operate?

Is a member application needed to join University Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does University Federal Credit Union offer online and mobile banking?

Current University Federal Credit Union Rates

Compare to Other Credit Unions