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USX Federal Credit Union

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USX Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at USX Federal Credit Union?

Current rates for USX Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 2.35%, 60-Month CD: 2.55%, Savings: 1.00%, MMA: 1.10%

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

USX Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.50% APY for a 12 month CD, 4.00% APY for a 15 month CD, 2.35% APY for a 2 year CD, 2.60% APY for a 3 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with USX Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

USX Federal Credit Union's 15 Month CD rates are at 4.00%, 12 Month CD rates are at 3.50%, 6 Month CD rates are at 3.25%, 60 Month CD rates are at 2.70%, 36 Month CD rates are at 2.60%. USX Federal Credit Union's savings rates are at 1.00%. USX Federal Credit Union's money market rates are at 1.10%. USX Federal Credit Union's checking rates are as high as 0.05%. USX Federal Credit Union's Personal Loan Rates are as low as 9.74%. USX Federal Credit Union's Credit Card Rates are at 9.90%. USX Federal Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of USX Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 10/30/2026.

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

0.77%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

USX Federal Credit Union
Cranberry

PO Box 1728
Cranberry Twp, PA 16066-0728

http://www.usxfcu.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.

USX Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Share Certificate	-	4.00%	15 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
15 Month Share Certificate	-	4.00%	15 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
15 Month Share Certificate	-	4.00%	15 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Share Certificate	-	3.50%	12 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Share Certificate	-	3.50%	12 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Share Certificate	-	3.50%	12 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Share Certificate	-	2.70%	60 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Share Certificate	-	2.60%	36 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Share Certificate	-	2.60%	48 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Share Certificate	-	2.60%	60 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Share Certificate	-	2.55%	60 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Share Certificate	-	2.50%	24 Month
Min Balance $25,000 Details Minimum Balance $25,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Share Certificate	-	2.50%	36 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Share Certificate	-	2.50%	48 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Share Certificate	-	2.45%	36 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Share Certificate	-	2.45%	48 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Share Certificate	-	2.40%	24 Month
Min Balance $10,000 Details Minimum Balance $10,000 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Share Certificate	-	2.35%	24 Month
Min Balance $500 Details Minimum Balance $500 APY; Share Savings Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Savings Rates

Product	Rate	APY
IMMA Shares	-	1.10%
Min Balance $100,000 Details Level 5; Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	1.00%
Min Balance $50,000 Details Level 4; Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Special Youth Savings	-	1.00%
Min Balance $25 Details Balance up to $500.00 earns 1.00% APY; balances over $500.00 earn the Regular Share Savings rate; $25 minimum balance required to maintain a Regular Share savings account; membership eligibility required; applies to Dollar Dog, Cha-Ching, and the edge youth savings accounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	1.00%
Details 1.00% (on first $500); 1.00% APY applies to balances up to $500.00 only; balances over $500.00 earn the Regular Share Savings rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.85%
Min Balance $25,000 Details Level 3; Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.60%
Min Balance $10,000 Details Level 2; Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.50%
Details Level 1; Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Holiday and Club Savings	-	0.05%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Regular Shares	-	0.05%
Min Deposit $25 Details Regular shares require a minimum deposit of $25 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Money Market Rates

Product	Rate	APY
IMMA Shares	-	1.10%
Min Balance $100,000 Details Level 5; Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	1.00%
Min Balance $50,000 Details Level 4; Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.85%
Min Balance $25,000 Details Level 3; Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.60%
Min Balance $10,000 Details Level 2; Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.50%
Details Level 1; Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Checking Rates

Product	Rate	APY	View More
Members Plus Checking	-	0.05%
Min Deposit $100 Details Requires a $100 deposit minimum at opening and a monthly average daily balance of $1,000 to avoid a $10 monthly account fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - First Lien	-	-	5.04%	5 Year
Details First Lien Position; Loans $10,000 to $350,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	5.39%	5 Year
Details Second Lien Position; Loans $50,000 to $300,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - First Lien	-	-	5.44%	10 Year
Details First Lien Position; Loans $10,000 to $350,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	5.69%	5 Year
Details Second Lien Position; Loans $10,000 to $49,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	5.79%	10 Year
Details Second Lien Position; Loans $50,000 to $300,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - First Lien	-	-	5.84%	15 Year
Details First Lien Position; Loans $10,000 to $350,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Home Equity Variable Rate HELOC - Plan 1	-	-	6.00%
Details Maximum LTV 60%; Adjustment to Index: Prime - 1.0%; Maximum Loan Amount $250,000; Rate adjusts quarterly, indexed to WSJ Prime; Minimum Real Estate secured loan amount $10,000; Property must be owner occupied and primary residence in Pennsylvania or Ohio Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	6.09%	10 Year
Details Second Lien Position; Loans $10,000 to $49,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - First Lien	-	-	6.14%	20 Year
Details First Lien Position; Loans $10,000 to $350,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	6.19%	15 Year
Details Second Lien Position; Loans $50,000 to $300,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan - Second Lien	-	-	6.49%	15 Year
Details Second Lien Position; Loans $10,000 to $49,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Home Equity Variable Rate HELOC - Plan 2	-	-	6.50%
Details Maximum LTV 70%; Adjustment to Index: Prime - 0.5%; Maximum Loan Amount $250,000; Rate adjusts quarterly, indexed to WSJ Prime; Minimum Real Estate secured loan amount $10,000; Property must be owner occupied and primary residence in Pennsylvania or Ohio Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Home Equity Variable Rate HELOC - Plan 3	-	-	7.00%
Details Maximum LTV 80%; Adjustment to Index: Prime; Maximum Loan Amount $250,000; Rate adjusts quarterly, indexed to WSJ Prime; Minimum Real Estate secured loan amount $10,000; Property must be owner occupied and primary residence in Pennsylvania or Ohio Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Home Equity Variable Rate HELOC - Plan 4	-	-	8.00%
Details Maximum LTV 90%; Adjustment to Index: Prime + 1.0%; Maximum Loan Amount $100,000; Rate adjusts quarterly, indexed to WSJ Prime; Minimum Real Estate secured loan amount $10,000; Property must be owner occupied and primary residence in Pennsylvania or Ohio Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Vehicles Auto Loan	-	-	5.14%	Up to 48 months
Details As Low As; Model years 2027-2026-2025-2024; Standard Rate APR; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Auto Loan	-	-	5.34%	49 to 60 months
Details As Low As; Model years 2027-2026-2025-2024; Standard Rate APR; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Auto Loan	-	-	5.54%	61 to 72 months
Details As Low As; Model years 2027-2026-2025-2024; Standard Rate APR; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Auto Loan	-	-	5.74%	73 to 84 months
Details As Low As; Model years 2027-2026-2025-2024; Standard Rate APR; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Auto Loan - Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater)	-	-	5.84%	Up to 48 Months
Details $30,000; As Low As; Loan amount $30,000.00 or greater; Credit Tiers 1-4 only Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Auto Loan - Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater)	-	-	6.04%	49 to 60 Months
Details $30,000; As Low As; Loan amount $30,000.00 or greater; Credit Tiers 1-4 only Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Auto Loan - Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater)	-	-	6.24%	61 to 72 Months
Details $30,000; As Low As; Loan amount $30,000.00 or greater; Credit Tiers 1-4 only Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models	-	-	6.30%	Up to 48 months
Details $30,000; As Low As; Standard Rate APR; Loan amounts less than $30,000; Credit Tiers 1 - 4 only; Used vehicle loan value is NADA retail value Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Auto Loan - Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater)	-	-	6.44%	73 to 84 Months
Details $30,000; As Low As; Loan amount $30,000.00 or greater required for 73-84 month financing; Credit Tiers 1-4 only Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models	-	-	6.50%	49 to 60 months
Details $30,000; As Low As; Standard Rate APR; Loan amounts less than $30,000; Credit Tiers 1 - 4 only; Used vehicle loan value is NADA retail value Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models	-	-	6.70%	61 to 72 months
Details $30,000; As Low As; Standard Rate APR; Loan amounts less than $30,000; Credit Tiers 1 - 4 only; Used vehicle loan value is NADA retail value Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2021-2017 Auto Loan - 1 to 48 months	-	-	8.39%	1 to 48 months
Details As Low As; Standard Rate APR; Monthly payment per $1,000 borrowed $24.60; All Rates Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2021-2017 Auto Loan - 49 to 60 months	-	-	8.59%	49 to 60 months
Details As Low As; Standard Rate APR; Monthly payment per $1,000 borrowed $20.56; All Rates Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2016-2012 Loan	-	-	10.39%	1 to 48 months
Details Model years 2016-2012; Auto Loans; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 10.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2016-2012 Loan	-	-	10.59%	49 to 60 months
Details Model years 2016-2012; Auto Loans; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 10.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & Motor Homes, Travel Trailers - New Loan	-	7.22%	up to 96 months
Details As Low As; Standard Rate APR; New; Monthly payment per $1,000 borrowed not extracted; Credit Tiers 1 - 4 only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.22% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Boats & Motor Homes, Travel Trailers - Used Loan	-	8.22%	up to 60 months
Details As Low As; Standard Rate APR; Used; Monthly payment per $1,000 borrowed not extracted; Credit Tiers 1 - 4 only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.22% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Boats & Motor Homes, Travel Trailers - Used Loan	-	8.72%	61 to 72 months
Details As Low As; Standard Rate APR; Used; Monthly payment per $1,000 borrowed not extracted; Credit Tiers 1 - 4 only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.72% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA PLATINUM	-	9.90%
Details Published APR range: 9.90% to 15.90%. Fixed APR for 24 months after card issued; No Variable Rate; 23 Day No Interest Period; No Balance Transfer Fee; No Cash Advance Fee; Annual Fee:; Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles; Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles; Merchant Draft Copy: $10.00; Card Replacement: $10.00; International Transaction Fee: With currency conversion 1%, without 0.8% Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
VISA BLUE	-	17.90%
Details No Variable Rate; 23 Day No Interest Period; No Balance Transfer Fee; No Cash Advance Fee; Annual Fee: $50.00; Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles; Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles; Merchant Draft Copy: $10.00; Card Replacement: $10.00; International Transaction Fee: With currency conversion 1%, without 0.8% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal/Signature Loans	9.74%	Up to 60 Months
Details Rates are "as low as" for each loan category Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan	-	-	8.99%
Details As Low As; Borrow Smart with a Holiday Loan Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Quads & Dirt Bikes - New Loan	-	-	8.09%	1 to 60 months
Details As Low As; New; Standard Rate APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.84% → 8.09% ▲ 0.25 pts · high 8.09% / low 7.84% Oct 6, 20268.09%▲ from 7.84% Sep 14, 20267.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Quads & Dirt Bikes - Used Loan	-	-	9.09%	1 to 48 months
Details As Low As; Used; Standard Rate APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.84% → 9.09% ▲ 0.25 pts · high 9.09% / low 8.84% Oct 6, 20269.09%▲ from 8.84% Sep 14, 20268.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Stock Pledge Loans	-	-	6.50%	Up to 60 Months
Details Up to 75 % approved stocks Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IRA, Roth IRA and Coverdell Education Shares	-	-	0.05%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

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

USX Federal Credit Union’s Texas Ratio fell from 3.17% in Q3 2023 to 0.77% in Q2 2026, so its financial health has improved and is now 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	$258M	0.77%	5.0	A+
March 31, 2026	$260M	1.11%	5.0	A+
December 31, 2025	$252M	1.43%	5.0	A+
September 30, 2025	$253M	1.67%	5.0	A+
June 30, 2025	$256M	1.79%	5.0	A+
March 31, 2025	$258M	2.01%	5.0	A+
December 31, 2024	$252M	2.83%	5.0	A+
September 30, 2024	$253M	3.17%	5.0	A+
June 30, 2024	$254M	3.70%	5.0	A+
March 31, 2024	$256M	3.33%	5.0	A+
December 31, 2023	$258M	3.36%	5.0	A+
September 30, 2023	$257M	3.17%	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 USX 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 USX 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 USX Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name USX Federal Credit Union

Website http://www.usxfcu.org

Address PO Box 1728, Cranberry Twp, PA 16066-0728

Phone 888-219-3159

Fax 724-776-4322

President Mashawn Lorenz

CEO Mark Volponi

Full-Time Employees 63

Part-Time Employees 1

Branch Locations 9

ATM Locations 8

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

0.77%

Return on Assets (ROA)

0.2128%

Return on Equity (ROE)

1.6967%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

258,095,427

Total Amount of Shares and Deposits

225,860,859

Total Shares and Deposits < 1 Year

221,578,026

Total Shares and Deposits 1 3 Years

2,260,753

Total Shares and Deposits > 3 Years

2,022,081

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

6,608,662

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

6,608,662

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

219,252,197

Total Interest Expense (Sum of items 6 8)

1,307,426

Share Certificates

2,288

Number of Accounts for Share Drafts

9,722

IRA KEOGH Accounts

600

Number of Accounts for Regular Shares

21,348

Money Market Shares

927

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)

6,584,035

Total Liabilities

227,527,758

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

USX 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.

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  <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

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Frequently Asked Questions About USX Federal Credit Union

Does USX Federal Credit Union offer CDs?

Yes. USX Federal Credit Union current CD rates include its 15 Month CD at 4.00% APY, its 12 Month CD at 3.50% APY and its 6 Month CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from USX Federal Credit Union NCUA insured?

Yes. USX 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 USX Federal Credit Union?

The highest USX Federal Credit Union CD rate is its 15 Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does USX Federal Credit Union offer?

USX Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.50% APY for a 12 month CD, 4.00% APY for a 15 month CD, 2.35% APY for a 2 year CD, 2.60% APY for a 3 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with USX Federal Credit Union for its full lineup.

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

The highest USX Federal Credit Union savings rate is its Special Youth Savings at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

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

The highest USX Federal Credit Union checking rate is its Members Plus Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

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

The lowest USX Federal Credit Union auto loan rate is its New and Used Vehicles Auto Loan at 5.14% APR, verified by MonitorBankRates as of October 30, 2026. USX Federal Credit Union auto loan rates are 8.39% APR for a 48 month auto loan and 8.59% APR for a 60 month auto loan.

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

The lowest USX Federal Credit Union personal loan rate is its Personal/Signature Loans at 9.74% APR, verified by MonitorBankRates as of October 30, 2026.

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

The lowest USX Federal Credit Union credit card APR is its VISA PLATINUM Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does USX Federal Credit Union operate?

USX 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 USX Federal Credit Union?

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

Does USX Federal Credit Union offer online and mobile banking?

Most modern institutions like USX 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: http://www.usxfcu.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 USX Federal Credit Union rates compare?

USX Federal Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. USX Federal Credit Union's top rates are its 15 Month CD at 4.00% APY, its Special Youth Savings at 1.00% APY, its IMMA Shares at 1.10% APY, its Members Plus Checking at 0.05% APY, its Personal/Signature Loans at 9.74% APR and its VISA PLATINUM Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026.

Current USX Federal Credit Union Rates

12-Month CD3.50%
24-Month CD2.35%
60-Month CD2.55%
Savings1.00%
MMA1.10%

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

Compare to Other Credit Unions

USX Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

USX Federal Credit Union Texas Ratio

USX Federal Credit Union Health Trend

USX Federal Credit Union CD Rates

USX Federal Credit Union Savings Rates

USX Federal Credit Union Money Market Rates

USX Federal Credit Union Checking Rates

USX Federal Credit Union Home Equity & HELOC

USX Federal Credit Union Auto Loan Rates

USX Federal Credit Union RV, Boat and Powersport Loan Rates

USX Federal Credit Union Credit Card Rates

USX Federal Credit Union Personal Loan Rates

USX Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

USX Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About USX Federal Credit Union

Does USX Federal Credit Union offer CDs?

Are CDs from USX Federal Credit Union NCUA insured?

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

What CD terms does USX Federal Credit Union offer?

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

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

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

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

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

How many branches does USX Federal Credit Union operate?

Is a member application needed to join USX Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does USX 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 USX Federal Credit Union rates compare?

Current USX Federal Credit Union Rates

Compare to Other Credit Unions