What are the current interest rates at URBAN UPBOUND?

Current rates for URBAN UPBOUND include: 12-Month CD: 0.75%, 24-Month CD: 1.00%

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URBAN UPBOUND

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URBAN UPBOUND Rates & Review September 2026

Q: How many branches does URBAN UPBOUND operate?

URBAN UPBOUND currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join URBAN UPBOUND?

Yes, to access services at URBAN UPBOUND, 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.

Q: Is there a first-time homebuyer program?

Currently, URBAN UPBOUND 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, URBAN UPBOUND 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: September 22, 2026

URBAN UPBOUND's 24 Month CDs rates are at 1.00%, 12 Month CDs rates are at 0.75%, 6 Month CDs rates are at 0.50%. URBAN UPBOUND's Personal Loan Rates are as low as 9.90%. MonitorBankRates evaluates the financial stability of URBAN UPBOUND with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

URBAN UPBOUND
Branch

1303B 40th Ave
Long Island City, NY 11101

http://www.uufcu.org

URBAN UPBOUND CD Rates

Product	Rate	APY	Term
24 Month Share Certificates	-	1.00%	24 month
Min Deposit $750 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
12 Month Share Certificates	-	0.75%	12 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
6 Month Share Certificates	-	0.50%	6 month
Min Deposit $300 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

URBAN UPBOUND Savings Rates

Product	Rate	APY	View More
Regular Share Account	-	0.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

URBAN UPBOUND Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	9.90%
Details Published APR range: 9.90% - 15.90%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

URBAN UPBOUND Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	7.99%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%
Small Business Loans	-	-	9.90%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.30%

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

URBAN UPBOUND’s Texas Ratio fell from 1.81% in Q2 2023 to 1.30% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
March 31, 2026	$2M	1.30%	5.0	A+
December 31, 2025	$3M	2.13%	5.0	A+
September 30, 2025	$3M	3.06%	5.0	A+
June 30, 2025	$3M	1.78%	5.0	A+
March 31, 2025	$3M	0.08%	5.0	A+
December 31, 2024	$2M	11.39%	5.0	A
September 30, 2024	$2M	9.74%	5.0	A
June 30, 2024	$2M	1.08%	5.0	A+
March 31, 2024	$2M	2.34%	5.0	A+
December 31, 2023	$2M	2.07%	5.0	A+
September 30, 2023	$2M	1.74%	5.0	A+
June 30, 2023	$2M	1.81%	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 URBAN UPBOUND 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 URBAN UPBOUND 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 URBAN UPBOUND's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name URBAN UPBOUND

Website http://www.uufcu.org

Address 1303B 40th Ave, Long Island City, NY 11101

Phone 718-784-5050

Fax

President Mitchell Taylor

CEO Chhanda Sutton

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

1.30%

Return on Assets (ROA)

-0.1068%

Return on Equity (ROE)

-1.1439%

Non-Performing Loans Ratio (NPL)

3.17%

Total Assets

2,346,376

Total Amount of Shares and Deposits

1,998,761

Total Shares and Deposits < 1 Year

1,977,727

Total Shares and Deposits 1 3 Years

21,034

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

1,998,761

Total Interest Expense (Sum of items 6 8)

1,261

Share Certificates

Number of Accounts for Share Drafts

816

Number of Accounts for Regular Shares

1,694

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)

1,794,958

Total Liabilities

2,127,304

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

URBAN UPBOUND 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 — no need to download or upload anything.

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

Customer Reviews

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Frequently Asked Questions About URBAN UPBOUND

How many branches does URBAN UPBOUND operate?

URBAN UPBOUND 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 URBAN UPBOUND?

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

Does URBAN UPBOUND offer online and mobile banking?

Most modern institutions like URBAN UPBOUND 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.uufcu.org.