☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
University Federal Credit Union

iAdvertiser Disclosure

University Federal Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does University Federal Credit Union offer?

University Federal Credit Union CD rates are 3.70% APY for a 6 month CD, 0.25% APY for a 12 month CD, 3.55% APY for an 18 month CD, 4.10% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with University Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

University Federal Credit Union's Fixed Rate CD - 24 Month rates are at 4.10%, Fixed Rate CD - 48 Month rates are at 3.70%, Fixed Rate CD - 6 Month rates are at 3.70%, Fixed Rate CD - 60 Month rates are at 3.70%, Fixed Rate CD - 36 Month rates are at 3.60%. University Federal Credit Union's savings rates are at 0.25%. University Federal Credit Union's money market rates are at 0.06%. University Federal Credit Union's checking rates are as high as 2.25%. University Federal Credit Union's Personal Loan Rates are as low as 12.90%. University Federal Credit Union's Credit Card Rates are at 9.49%. University Federal Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/31/2026.

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 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

Customer Reviews

Be the first to 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.

University Federal Credit Union CD Rates

Product	Rate	APY	Term
Fixed Rate Certificate - 24 Month	4.025%	4.10%	24 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.10% APY · checked 4 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 24 Month Step-Up	3.88%	3.95%	24 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.95% APY · checked 4 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 48 Month	3.639%	3.70%	48 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 6 Month	3.639%	3.70%	6 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 60 Month	3.639%	3.70%	60 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 36 Month	3.542%	3.60%	36 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 4 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 18 Month	3.494%	3.55%	18 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 4 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: up to $20,000; Rate is variable and subject to change after account is opened; Effective Date: November 18, 2025 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 12 Month	3.445%	3.50%	12 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 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
Details Effective Date: September 3, 2026 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Fixed Rate Certificate - 3 Month	3.203%	3.25%	3 Month
Details Effective Date: September 3, 2025; A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 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
Details Balance: over $20,000; Rate is variable and subject to change after account is opened; Effective Date: November 18, 2025 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Savings Rates

Product	Rate	APY
Premium Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 and more; Calculated daily; paid monthly on balances of $100 or more; Rate is variable and subject to change after account is opened; Effective Date: October 1, 2021 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Savings	0.01%	0.01%
Min Balance $100 Details Balance: $100 and more; Calculated daily; paid monthly on balances of $100 or more; Rate is variable and subject to change after account is opened; Effective Date: October 1, 2021 Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 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 - With Bonus Dividend	0.06%	0.06%
Min Balance $0 Details Qualifications Required: 10 qualifying transactions monthly in the same Member's checking account; Balance: $0 to $10,000; Bonus Dividend applies only to the first $10,000; Effective Date: February 3, 2025 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Money Market w/ Bonus Dividend	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 deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account; Tiered-rate method: stated rate paid only on portion of balance within tier; Effective Date: February 3, 2025 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Money Market	0.01%	0.01%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $10,000; APY with Bonus Dividend: 0.01% Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%

University Federal Credit Union Checking Rates

Product	Rate	APY
Plus Checking - With Bonus	2.227%	2.25%
Min Balance $0 Details Qualifications Required; Balance: $0 to $10,000; Bonus dividend applies; Complete at least 20 eligible card transactions a month to earn a bonus dividend. Certain restrictions apply. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Teen Checking	0.499%	0.50%
Min Deposit $0 Min Balance $0 Details Balance: Less Than $500 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Premium Checking	0.05%	0.05%
Min Balance $100 Details Balance: $100 and more; Calculated daily; paid monthly on balances of $100 or more. Rate is variable and subject to change after account is opened. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 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 to $10,000; without bonus Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 6 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 and more Last Updated 10/31/2026 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%
Free Checking	0.00%	0.00%
Min Balance $0 Details Balance: Any Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Teen Checking	0.00%	0.00%
Min Deposit $0 Min Balance $500 Details Balance: $500 and more Last Updated 10/31/2026 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%

University Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	1 to 48 Months
Details Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 4.49% ▼ 0.50 pts · high 4.99% / low 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	5.14%	49 to 66 Months
Details Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 5.64% → 5.14% ▼ 0.50 pts · high 5.64% / low 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	5.24%	1 to 48 Months
Details Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.49% Oct 14, 20265.24%▲ from 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	5.39%	67 Plus Months
Details Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 5.39% ▼ 0.50 pts · high 5.89% / low 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	5.64%	49 to 66 Months
Details Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.64% → 5.64% ▼ 0.00 pts · high 5.64% / low 5.14% Oct 14, 20265.64%▲ from 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	5.89%	67 Plus Months
Details Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.89% → 5.89% ▼ 0.00 pts · high 5.89% / low 5.39% Oct 14, 20265.89%▲ from 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	6.49%	1 to 48 Months
Details Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 6.49% ▲ 1.50 pts · high 6.49% / low 4.49% Oct 14, 20266.49%▲ from 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loans	-	-	6.50%	12 to 48 Months
Details Credit Tier: Excellent; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 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%
Auto Loan	-	-	6.89%	49 to 66 Months
Details Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.64% → 6.89% ▲ 1.25 pts · high 6.89% / low 5.14% Oct 14, 20266.89%▲ from 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%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 Credit Tier: Excellent; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 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%
Auto Loan	-	-	7.14%	67 Plus Months
Details Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.89% → 7.14% ▲ 1.25 pts · high 7.14% / low 5.39% Oct 14, 20267.14%▲ from 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loans	-	-	7.25%	12 to 48 Months
Details Credit Tier: Good; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 7.25% ▲ 1.00 pts · high 7.25% / low 6.25% Oct 14, 20267.25%▲ from 6.50% 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	-	-	7.75%	49 to 66 Months
Details Credit Tier: Good; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.75% ▲ 1.00 pts · high 7.75% / low 6.75% Oct 14, 20267.75%▲ from 7.00% 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 Loans	-	-	8.25%	12 to 48 Months
Details Credit Tier: Average; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 8.25% ▲ 2.00 pts · high 8.25% / low 6.25% Oct 14, 20268.25%▲ from 6.50% 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%
Auto Loan	-	-	8.39%	1 to 48 Months
Details Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 8.39% ▲ 3.40 pts · high 8.39% / low 4.49% Oct 14, 20268.39%▲ from 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	8.64%	49 to 66 Months
Details Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.64% → 8.64% ▲ 3.00 pts · high 8.64% / low 5.14% Oct 14, 20268.64%▲ from 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Business Auto Loans	-	-	8.75%	49 to 66 Months
Details Credit Tier: Average; Loan documentation fee of $175 assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 8.75% ▲ 2.00 pts · high 8.75% / low 6.75% Oct 14, 20268.75%▲ from 7.00% 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%
Auto Loan	-	-	8.89%	67 Plus Months
Details Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.89% → 8.89% ▲ 3.00 pts · high 8.89% / low 5.39% Oct 14, 20268.89%▲ from 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	14.15%	1 to 48 Months
Details Credit Tier: Marginal; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 14.15% ▲ 9.16 pts · high 14.15% / low 4.49% Oct 14, 202614.15%▲ from 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	14.60%	49 to 66 Months
Details Credit Tier: Marginal; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.64% → 14.60% ▲ 8.96 pts · high 14.60% / low 5.14% Oct 14, 202614.60%▲ from 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	14.85%	67 Plus Months
Details Credit Tier: Marginal; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.89% → 14.85% ▲ 8.96 pts · high 14.85% / low 5.39% Oct 14, 202614.85%▲ from 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	16.75%	1 to 48 Months
Details Credit Tier: Low / No score; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 16.75% ▲ 11.76 pts · high 16.75% / low 4.49% Oct 14, 202616.75%▲ from 4.49% Oct 2, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	17.20%	49 to 66 Months
Details Credit Tier: Low / No score; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.64% → 17.20% ▲ 11.56 pts · high 17.20% / low 5.14% Oct 14, 202617.20%▲ from 5.14% Oct 2, 20265.14%▼ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Auto Loan	-	-	17.40%	67 Plus Months
Details Credit Tier: Low / No score; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more Last Updated 10/31/2026 Rate History 2 changes since Sep 14, 2026 · 5.89% → 17.40% ▲ 11.51 pts · high 17.40% / low 5.39% Oct 14, 202617.40%▲ from 5.39% Oct 2, 20265.39%▼ from 5.89% Sep 14, 20265.89%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 APR by credit and risk score: Excellent 9.49%; Good 11.49%; Average 13.49%; Fair 16.49%; Marginal 17.90%; Low / No score 17.90% Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Travel Rewards VISA	-	13.90%
Details APR by credit and risk score: Excellent 13.90%; Good 14.90%; Average 15.90%; Fair 16.90%; Marginal 17.90%; Low / No score 17.90% Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Cash Back VISA	-	14.90%
Details APR by credit and risk score: Excellent 14.90%; Good 15.90%; Average 16.90%; Fair 17.49%; Marginal 17.90%; Low / No score 17.90% Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 11 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 Monthly payment per $1,000 borrowed: $22.70; Minimum loan amounts may apply; Credit Score: Excellent (APR 12.90%); Good 14.90%; Average 16.90%; Fair 17.90%; Marginal 17.90%; Low / No score 17.90% Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	14.90%	Up to 60 Months
Details Credit/Risk Score Tier: Good Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 14.90% ▲ 2.00 pts · high 14.90% / low 12.90% Oct 20, 202614.90%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	16.90%	Up to 60 Months
Details Credit/Risk Score Tier: Average Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 16.90% ▲ 4.00 pts · high 16.90% / low 12.90% Oct 20, 202616.90%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Signature Loan	17.90%	Up to 60 Months
Details Credit/Risk Score Tier: Fair Last Updated 10/31/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 17.90% ▲ 5.00 pts · high 17.90% / low 12.90% Oct 20, 202617.90%▲ from 12.90% Sep 14, 202612.90%first recorded 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
Credit Builder Loan	-	-	3.00%	6 to 24 Months
Details Amount Borrowed: $500 - $2500; Rates listed are for this product only and are subject to change at any time. Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	8.50%	12 to 36 Months
Details Credit Rating: Excellent; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	9.25%	12 to 36 Months
Details Credit Rating: Good; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	10.25%	12 to 36 Months
Details Credit Rating: Average; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	9.00%	37 to 60 Months
Details Credit Rating: Excellent; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	9.75%	37 to 60 Months
Details Credit Rating: Good; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Equipment Loans	-	-	10.75%	37 to 60 Months
Details Credit Rating: Average; A loan documentation fee of $175 will be assessed at closing; Term restrictions may apply Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Lines of Credit or Less Loan	-	-	10.75%
Details $100,000; Credit score tier: Excellent; Rates indexed to Wall Street Journal Prime Rate of previous month; 2-year revolving period then 5-year term; $175 loan documentation fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Lines of Credit or Less Loan	-	-	11.50%
Details $100,000; Credit score tier: Good; Rates indexed to Wall Street Journal Prime Rate of previous month; 2-year revolving period then 5-year term; $175 loan documentation fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Lines of Credit or Less Loan	-	-	12.50%
Details $100,000; Credit score tier: Average; Rates indexed to Wall Street Journal Prime Rate of previous month; 2-year revolving period then 5-year term; $175 loan documentation fee Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	10.00%	12 to 36 Months
Details Credit Tier: Excellent; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	10.75%	12 to 36 Months
Details Credit Tier: Good; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	11.75%	12 to 36 Months
Details Credit Tier: Average; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	10.50%	37 to 60 Months
Details Credit Tier: Excellent; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	11.25%	37 to 60 Months
Details Credit Tier: Good; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.13%
Working Capital Loan	-	-	12.25%	37 to 60 Months
Details Credit Tier: Average; A loan documentation fee of $175 will be assessed at closing. Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 12.25% APR · checked 3 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; Effective Date: January 2, 2024; Rate is variable and subject to change after account is opened Last Updated 10/31/2026 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: 7.13%
Variable-Rate IRA	0.01%	-	0.01%
Details Term: Variable; Effective Date: October 1, 2021; Rate is variable and subject to change after account is opened; Fees could reduce earnings on account. Last Updated 10/31/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

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

2026 MBR Health & Safety Badge

University Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/university-federal-credit-union-rates-review-1367">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for University Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for University Federal Credit Union

Frequently Asked Questions About University Federal Credit Union

Does University Federal Credit Union offer CDs?

Yes. University Federal Credit Union current CD rates include its Fixed Rate CD - 24 Month at 4.10% APY, its Fixed Rate CD - 48 Month at 3.70% APY and its Fixed Rate CD - 6 Month at 3.70% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from University Federal Credit Union NCUA insured?

Yes. University Federal 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 University Federal Credit Union?

The highest University Federal Credit Union CD rate is its Fixed Rate CD - 24 Month at 4.10% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does University Federal Credit Union offer?

University Federal Credit Union CD rates are 3.70% APY for a 6 month CD, 0.25% APY for a 12 month CD, 3.55% APY for an 18 month CD, 4.10% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.70% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with University Federal Credit Union for its full lineup.

What is the highest savings rate at University Federal Credit Union?

The highest University Federal Credit Union savings rate is its Premium Savings at 0.25% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at University Federal Credit Union?

The highest University Federal Credit Union money market rate is its Money Market - With Bonus Dividend at 0.06% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at University Federal Credit Union?

The highest University Federal Credit Union checking rate is its Plus Checking - With Bonus at 2.25% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at University Federal Credit Union?

The lowest University Federal Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at University Federal Credit Union?

The lowest University Federal Credit Union personal loan rate is its Signature Loan at 12.90% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at University Federal Credit Union?

The lowest University Federal Credit Union credit card APR is its Great Rate VISA Credit Card at 9.49% APR, verified by MonitorBankRates as of October 31, 2026.

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.

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 University Federal Credit Union rates compare?

University Federal Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A health rating. University Federal Credit Union's top rates are its Fixed Rate CD - 24 Month at 4.10% APY, its Premium Savings at 0.25% APY, its Money Market - With Bonus Dividend at 0.06% APY, its Plus Checking - With Bonus at 2.25% APY, its Signature Loan at 12.90% APR and its Great Rate VISA Credit Card at 9.49% APR, verified by MonitorBankRates on October 31, 2026.

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 November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

University Federal Credit Union Texas Ratio

University Federal Credit Union Health Trend

University Federal Credit Union CD Rates

University Federal Credit Union Savings Rates

University Federal Credit Union Money Market Rates

University Federal Credit Union Checking Rates

University Federal Credit Union Auto Loan Rates

University Federal Credit Union Credit Card Rates

University Federal Credit Union Personal Loan Rates

University Federal Credit Union Other Rates

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

Does University Federal Credit Union offer CDs?

Are CDs from University Federal Credit Union NCUA insured?

What is the highest CD rate at University Federal Credit Union?

What CD terms does University Federal Credit Union offer?

What is the highest savings rate at University Federal Credit Union?

What is the highest money market rate at University Federal Credit Union?

What is the highest checking rate at University Federal Credit Union?

What is the lowest auto loan rate at University Federal Credit Union?

What is the lowest personal loan rate at University Federal Credit Union?

What is the lowest credit card APR at 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?

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 University Federal Credit Union rates compare?

Current University Federal Credit Union Rates

Compare to Other Credit Unions