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USB Employees Federal Credit Union

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USB Employees Federal Credit Union Rates & Review November 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, USB Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 2, 2026

USB Employees Federal Credit Union rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month share certificate rates at 3.98%, 6-month share certificate rates at 3.05% and 3-month share certificate rates at 1.16%. Deposit rates include 0.07% on savings, 4.00% on money market accounts and 5.55% on checking. Loan rates include 8.50% on HELOCs, 6.99% on auto loans and 18.00% on personal loans. Credit card rates can be found at 10.99%. These rates come from our rate database, not USB Employees Federal Credit Union, and you can see how they compare in the USB Employees Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of USB Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 11/02/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

USB Employees Federal Credit Union
USB EFCU

300 Falcon St
Wilmington, CA 90744-6407

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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.

Current Rate Availability

We're not currently displaying rates for USB Employees Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

Are you with USB Employees Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

USB Employees Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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	$3M	0.00%	5.0	A+
March 31, 2026	$3M	0.00%	5.0	A+
December 31, 2025	$3M	0.00%	5.0	A+
September 30, 2025	$3M	0.00%	5.0	A+
June 30, 2025	$3M	2.85%	5.0	A+
March 31, 2025	$2M	2.86%	5.0	A+
December 31, 2024	$2M	2.82%	5.0	A+
September 30, 2024	$2M	2.82%	5.0	A+
June 30, 2024	$2M	0.00%	5.0	A+
March 31, 2024	$2M	0.00%	5.0	A+
December 31, 2023	$2M	0.00%	5.0	A+
September 30, 2023	$2M	0.00%	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 USB Employees 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 USB Employees 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 USB Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name USB Employees Federal Credit Union

Website N/A

Address 300 Falcon St, Wilmington, CA 90744-6407

Phone 310-830-0161

Fax 310-830-3445

President Albert Torres

CEO Sheila Richardson

Full-Time Employees 0

Part-Time Employees 1

Branch Locations 1

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+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.7649%

Return on Equity (ROE)

3.7812%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

3,209,438

Total Amount of Shares and Deposits

2,563,247

Total Shares and Deposits < 1 Year

2,313,247

Total Shares and Deposits 1 3 Years

250,000

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

996

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

2,562,251

Total Interest Expense (Sum of items 6 8)

2,670

Number of Accounts for Regular Shares

294

Non Member Deposits

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)

1,639,735

Total Liabilities

2,565,084

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

USB Employees 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/usb-employees-federal-credit-union-rates-review-5960">
  <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 USB Employees Federal Credit Union yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About USB Employees Federal Credit Union

How many branches does USB Employees Federal Credit Union operate?

USB Employees 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 USB Employees Federal Credit Union?

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

Does USB Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like USB Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

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 USB Employees Federal Credit Union rates compare?

USB Employees Federal Credit Union rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month certificates at 3.98% APY, 6-month certificates at 3.05% APY, savings at 0.07% APY, money market at 4.00% APY, checking at 5.55% APY, HELOCs around 8.50%, auto loans at 6.99% APR, personal loans at 18.00% APR and credit cards at 10.99% APR.