What are the current interest rates at US Community Credit Union?

Current rates for US Community Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.35%, 24-Month CD: 3.45%, 60-Month CD: 4.18%, Savings: 4.06%, MMA: 1.81%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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US Community Credit Union

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US Community Credit Union Rates & Review October 2026

Q: Is a member application needed to join US Community Credit Union?

Yes, to access services at US Community 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, US Community 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 10, 2026

US Community Credit Union's top rates as of October 10, 2026 are 4.32% APY on its 25 Month Retention Special CD, 4.06% APY on savings, 1.81% APY on money market accounts, 4.00% APY on checking, personal loans from 9.95% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other US Community Credit Union CD rates include IRA 5 Year CD at 4.28%, Roth IRA 5 Year CD at 4.28%, and 5 Year CD at 4.23%. MonitorBankRates evaluates the financial stability of US Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.93%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

US Community Credit Union
Administration Building

2622 Old Lebanon Pike Ste 100
Nashville, TN 37214-2417

https://www.usccu.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.

US Community Credit Union CD Rates

Product	Rate	APY	Term
25 Month Retention Special	-	4.32%	25 Month
Details Maturing certificate specials only Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.32% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 5 Year Certificate	-	4.28%	5 years
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 5 Year Certificate	-	4.28%	5 years
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
5 Year Certificate	-	4.23%	5 Year
Min Balance $100,000 Details Jumbo Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 48 Month Certificate	-	4.23%	48 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 5 Year Certificate	-	4.23%	5 years
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 48 Month Certificate	-	4.23%	48 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 5 Year Certificate	-	4.23%	5 years
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
48 Month Certificate	-	4.18%	48 Month
Min Balance $100,000 Details Jumbo Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
5 Year Certificate	-	4.18%	5 Year
Min Balance $500 Details Regular Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 36 Month Certificate	-	4.18%	36 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 48 Month Certificate	-	4.18%	48 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 36 Month Certificate	-	4.18%	36 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 48 Month Certificate	-	4.18%	48 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate Special	-	4.17%	12 Month
Min Deposit $250,000 Details Certificate Specials; Quarterly Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
36 Month Certificate	-	4.13%	36 Month
Min Balance $100,000 Details Jumbo Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
48 Month Certificate	-	4.13%	48 Month
Min Balance $500 Details Regular Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 36 Month Certificate	-	4.13%	36 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 36 Month Certificate	-	4.13%	36 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 24 Month Certificate	-	4.12%	24 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 24 Month Certificate	-	4.12%	24 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate Special	-	4.11%	12 Month
Min Deposit $2,500 Details Certificate Specials; Quarterly Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
30 Month Certificate	-	4.07%	30 Month
Min Balance $100,000 Details Jumbo Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
36 Month Certificate	-	4.07%	36 Month
Min Balance $500 Details Regular Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 18 Month Certificate	-	4.07%	18 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 24 Month Certificate	-	4.07%	24 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 18 Month Certificate	-	4.07%	18 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 24 Month Certificate	-	4.07%	24 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
24 Month Certificate	-	4.02%	24 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
30 Month Certificate	-	4.02%	30 Month
Min Balance $500 Details Regular Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 18 Month Certificate	-	4.02%	18 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 18 Month Certificate	-	4.02%	18 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
13 Month New Member Special	-	4.01%	13 Month
Min Deposit $500 Details New Member Special Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 12 Month Certificate	-	4.01%	12 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 12 Month Certificate	-	4.01%	12 months
Min Balance $100,000 Details Jumbo IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
24 Month Certificate	-	3.97%	24 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
18 Month Certificate	-	3.96%	18 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA 12 Month Certificate	-	3.96%	12 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA 12 Month Certificate	-	3.96%	12 months
Min Balance $500 Details Regular IRA Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate	-	3.91%	12 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
18 Month Certificate	-	3.91%	18 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate	-	3.85%	12 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
9 Month Certificate	-	3.64%	9 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.64% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
9 Month Certificate	-	3.59%	9 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.59% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
24 Month Certificate	-	3.45%	24 Month
Min Balance $500 Details Regular Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 3.45% ▼ 0.52 pts · high 3.97% / low 3.45% Oct 10, 20263.45%▼ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
24 Month Certificate	-	3.45%	24 Month
Min Balance $100,000 Details Jumbo Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 3.45% ▼ 0.57 pts · high 4.02% / low 3.45% Oct 10, 20263.45%▼ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
6 Month Certificate	-	3.38%	6 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.38% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
18 Month Certificate	-	3.35%	18 Month
Min Balance $500 Details Regular Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 3.35% ▼ 0.56 pts · high 3.91% / low 3.35% Oct 10, 20263.35%▼ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
18 Month Certificate	-	3.35%	18 Month
Min Balance $100,000 Details Jumbo Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.96% → 3.35% ▼ 0.61 pts · high 3.96% / low 3.35% Oct 10, 20263.35%▼ from 3.96% Sep 14, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
6 Month Certificate	-	3.33%	6 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.33% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate	-	3.25%	12 Month
Min Balance $500 Details Regular Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.25% ▼ 0.60 pts · high 3.85% / low 3.25% Oct 10, 20263.25%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
12 Month Certificate	-	3.25%	12 Month
Min Balance $100,000 Details Jumbo Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 3.25% ▼ 0.66 pts · high 3.91% / low 3.25% Oct 10, 20263.25%▼ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
6 Month Certificate	-	3.10%	6 Month
Min Balance $500 Details Regular Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.33% → 3.10% ▼ 0.23 pts · high 3.33% / low 3.10% Oct 10, 20263.10%▼ from 3.33% Sep 14, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
6 Month Certificate	-	3.10%	6 Month
Min Balance $100,000 Details Jumbo Certificate; monthly dividends Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.38% → 3.10% ▼ 0.28 pts · high 3.38% / low 3.10% Oct 10, 20263.10%▼ from 3.38% Sep 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Value Plus 6 Month Certificate	-	3.09%	6 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
3 Month Certificate	-	3.04%	3 Month
Min Balance $100,000 Details Jumbo Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
3 Month Certificate	-	2.99%	3 Month
Min Balance $500 Details Regular Certificate; quarterly dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Savings Rates

Product	Rate	APY
Kickstart Kids Savings Acct	-	4.06%
Min Balance $5 Details Balance: $5.00 Minimum Balance; 1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Kids Savings	-	4.06%
Min Balance $500 Details Any amount over $500 with receive the Regular Savings Rate of .05% APY. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Emergency Fund Savings	-	3.00%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
High Yield Savings Balance	-	0.60%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
High Yield Savings Balance	-	0.55%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
High Yield Savings Balance	-	0.40%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
High Yield Savings Balance	-	0.10%
Min Balance $0 Details Balance: Less Than $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Additional Savings Acct	-	0.05%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Value Plus Christmas Club	-	0.05%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Value Plus Vacation Club	-	0.05%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Balance	-	1.81%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Balance	-	1.66%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Balance	-	1.26%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Money Market Balance	-	0.20%
Min Balance $0 Details Balance: Less Than $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Checking Rates

Product	Rate	APY
Flex Rewards Checking Acct	-	4.00%
Min Deposit $50 Details 4.00% (if dividend rewards selected) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Six Star Checking Acct	-	0.75%
Min Deposit $50 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Prestige Checking Acct	-	0.05%
Min Deposit $50 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.75%
Details As Low As; Rates as low as 5.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Autos / Trucks	-	-	5.25%
Details As Low As; Rates as low as 5.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boats / RVs / Motorcycles / ATVs Loan	-	9.00%
Details As Low As; Rates as low as 9.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Credit Card Rates

Product	Rate	APR
Secured Credit Card	-	9.99%
Details Regular APR: 9.99% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Platinum Credit Card	-	12.75%
Details Published APR range: 12.75% to 29.95%. Regular APR: 12.75% to 29.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loans	9.95%
Details As Low As; Rates as low as 9.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

US Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Emergency Loans	-	-	9.95%
Details As Low As; Rates as low as 9.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
IRA Variable Acct	-	-	0.20%
Min Balance $100 Details IRA Variable Acct** Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Joint Share Acct	-	-	0.05%
Min Balance $5 Details Balance: $5.00 Minimum Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Primary Share Acct	-	-	0.05%
Min Balance $5 Details Balance: $5.00 Minimum Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Regular Share Acct	-	-	0.05%
Min Balance $5 Details Balance: $5.00 Minimum Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%
Roth IRA Variable Acct	-	-	0.20%
Min Balance $100 Details Roth IRA Variable Acct** Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.93%

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Financial Health History

US Community Credit Union’s Texas Ratio stayed near 3.94% in Q3 2023 to 3.93% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$346M	3.93%	5.0	A+
March 31, 2026	$348M	3.85%	5.0	A+
December 31, 2025	$335M	4.25%	5.0	A+
September 30, 2025	$333M	1.28%	5.0	A+
June 30, 2025	$324M	1.98%	5.0	A+
March 31, 2025	$323M	1.92%	5.0	A+
December 31, 2024	$319M	4.49%	5.0	A+
September 30, 2024	$316M	3.25%	5.0	A+
June 30, 2024	$307M	3.46%	5.0	A+
March 31, 2024	$305M	1.64%	5.0	A+
December 31, 2023	$295M	3.65%	5.0	A+
September 30, 2023	$294M	3.94%	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 US Community 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 US Community 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 US Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name US Community Credit Union

Website https://www.usccu.org

Address 2622 Old Lebanon Pike Ste 100, Nashville, TN 37214-2417

Phone 615-256-8712

Fax 615-724-2343

President Roy Jones

CEO Ben Johnson

Full-Time Employees 74

Part-Time Employees 14

Branch Locations 7

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.93%

Return on Assets (ROA)

0.3950%

Return on Equity (ROE)

3.4278%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

345,720,073

Total Amount of Shares and Deposits

301,191,788

Total Shares and Deposits < 1 Year

282,375,089

Total Shares and Deposits 1 3 Years

11,645,005

Total Shares and Deposits > 3 Years

7,171,695

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

21,802,087

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

21,802,087

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

279,389,701

Total Interest Expense (Sum of items 6 8)

2,466,624

Share Certificates

2,490

Number of Accounts for Share Drafts

15,151

IRA KEOGH Accounts

550

Number of Accounts for Regular Shares

31,554

Non Member Deposits

Money Market Shares

1,323

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)

39,970,826

Total Liabilities

308,561,277

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

US Community Credit Union earned the Verified Healthy badge

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About US Community Credit Union

How many branches does US Community Credit Union operate?

US Community 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 US Community Credit Union?

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

Does US Community Credit Union offer online and mobile banking?

Most modern institutions like US Community 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.usccu.org.

Current US Community Credit Union Rates

12-Month CD3.25%
18-Month CD3.35%
24-Month CD3.45%
60-Month CD4.18%
Savings4.06%
MMA1.81%

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

Compare to Other Credit Unions

US Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

US Community Credit Union Texas Ratio

US Community Credit Union Health Trend

US Community Credit Union CD Rates

US Community Credit Union Savings Rates

US Community Credit Union Money Market Rates

US Community Credit Union Checking Rates

US Community Credit Union Home Equity & HELOC

US Community Credit Union Auto Loan Rates

US Community Credit Union RV, Boat and Powersport Loan Rates

US Community Credit Union Credit Card Rates

US Community Credit Union Personal Loan Rates

US Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

US Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About US Community Credit Union

How many branches does US Community Credit Union operate?

Is a member application needed to join US Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does US Community Credit Union offer online and mobile banking?

Current US Community Credit Union Rates

Compare to Other Credit Unions