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iAdvertiser Disclosure
Advertiser Disclosure
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 University Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 17, 2026
University Federal Credit Union's Six Month Term CDs rates are at 3.30%, One Year Term CDs rates are at 3.00%, Two Year Term CDs rates are at 2.65%. 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 2.53%. Rates were last updated on 04/17/2026. 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. University Federal Credit Union
Branch Ofc 1575 17th Ave S
https://www.universityfederalcu.org Grand Forks, ND 58201 
University Federal Credit Union CD Rates
Methodology & Data SourcesMonitorBankRates 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
Address
1575 17th Ave S,
Grand Forks, ND 58201
Phone
701-775-3738
Fax
701-775-3798
President
Ryan Jundt
CEO
Lacey Fetsch
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.53%
Return on Assets (ROA)
0.6974%
Return on Equity (ROE)
5.0851%
Non-Performing Loans Ratio (NPL)
0.57%
Total Assets
43,955,825
Total Amount of Shares and Deposits
37,712,925
Total Shares and Deposits < 1 Year
37,643,176
Total Shares and Deposits 1 3 Years
69,749
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,573,995
Total Uninsured Shares and Deposits > $250K (F+J)
1,573,995
Total Insured Shares and Deposits > $250K (item 17 less item K)
36,138,930
Total Interest Expense (Sum of items 6 8)
251,030
Share Certificates
274
Number of Accounts for Share Drafts
2,629
Number of Accounts for Regular Shares
4,292
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,244,963
Total Liabilities
38,010,232
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About University Federal Credit UnionIs University Federal Credit Union a safe place to deposit money?Yes, University Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5255591361679%, 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 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.universityfederalcu.org. Compare to Other Credit Unions
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