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USX Rates & Review March 2026

USX's 6 Month Savings CD rates are at 3.75%, 12 Month CD rates are at 3.50%, 60 Month CD rates are at 2.70%, 36 Month CD rates are at 2.60%, 48 Month CD rates are at 2.60%. USX's savings rates are at 0.05%. USX's money market rates are at 0.50%. USX's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of USX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.70%. Rates were last updated on 03/22/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.70%
Excellent Lower than avg
Farmers National Bank of Danville
Cranberry
PO Box 1728
Cranberry Twp, PA 16066 0728
http://www.usxfcu.org
Member NCUA

USX CD Rates

Product Rate APY Term View More
6 Month Share Savings Certificate - 3.75% 6 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
12 Month Certificate - 3.50% 12 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
60 Month Certificate - 2.70% 60 Month
Min Deposit $25,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
36 Month Certificate - 2.60% 36 Month
Min Deposit $25,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
48 Month Certificate - 2.60% 48 Month
Min Deposit $25,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
60 Month Certificate - 2.60% 60 Month
Min Deposit $10,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
60 Month Certificate - 2.55% 60 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
24 Month Certificate - 2.50% 24 Month
Min Deposit $25,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
36 Month Certificate - 2.50% 36 Month
Min Deposit $10,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
48 Month Certificate - 2.50% 48 Month
Min Deposit $10,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
36 Month Certificate - 2.45% 36 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
48 Month Certificate - 2.45% 48 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
24 Month Certificate - 2.40% 24 Month
Min Deposit $10,000
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
24 Month Certificate - 2.35% 24 Month
Min Deposit $500
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Savings Rates

Product Rate APY View More
Youth Savings - 1.00%
Details Qualifying balance up to $500.00
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
Holiday and Club Savings - 0.05%
No additional details.
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Money Market Rates

Product Rate APY View More
IMMA Shares - 1.10%
Details Balances $100,000 and over
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
IMMA Shares - 1.00%
Details Balances $50,000 to $99,999.99
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
IMMA Shares - 0.85%
Details Balances $25,000 to $49,999.99
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
IMMA Shares - 0.60%
Details Balances $10,000 to $24,999.99
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
IMMA Shares - 0.50%
Details Balances under $9,999.99
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Checking Rates

Product Rate APY View More
Members Plus Checking - 0.05%
No additional details.
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Plan 1 - - 4.79%
Details Maximum (LTV)Loan to Value: 60%; Adjustment to Index: Prime - 1.0%
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
HELOC Plan 2 - - 6.25%
Details Maximum (LTV)Loan to Value: 70%; Adjustment to Index: Prime - 0.5%
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
HELOC Plan 3 - - 6.75%
Details Maximum (LTV)Loan to Value: 80%; Adjustment to Index: Prime
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
HELOC Plan 4 - - 7.75%
Details Maximum (LTV)Loan to Value: 90%; Adjustment to Index: Prime + 1.0%
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Credit Card Rates

Product Rate APR View More
VISA PLATINUM - 9.90%
Details Intro rate expires: 24 months; Regular APR: 9.90% - 15.90%
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%
VISA BLUE - 17.90%
Details Regular APR: 17.90%
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

USX Personal Loan Rates

Product Rate APR View More
Personal/Signature Loans - 9.74%
No additional details.
Last Updated 03/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.49%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for USX 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name USX
Address PO Box 1728, Cranberry Twp, PA 16066 0728
Phone 888-219-3159
Fax 724-776-4322
President John Toth
CEO Mark Volponi
Full-Time Employees 60
Part-Time Employees 1
Branch Locations 8
ATM Locations 9
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
1.70%
Return on Assets (ROA)
0.7561%
Return on Equity (ROE)
6.0338%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
252,953,945
Total Amount of Shares and Deposits
221,736,569
Total Shares and Deposits < 1 Year
215,081,903
Total Shares and Deposits 1 3 Years
3,520,304
Total Shares and Deposits > 3 Years
3,134,362
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,026,258
Total Uninsured Shares and Deposits > $250K (F+J)
7,026,258
Total Insured Shares and Deposits > $250K (item 17 less item K)
214,710,311
Total Interest Expense (Sum of items 6 8)
2,027,268
Share Certificates
2,130
Number of Accounts for Share Drafts
9,907
IRA KEOGH Accounts
625
Number of Accounts for Regular Shares
21,725
Money Market Shares
956
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,171,706
Total Liabilities
222,749,453
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About USX

Is USX a safe place to deposit money?

Yes, USX is considered a safe financial institution. With a Texas Ratio of 1.703503668978%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does USX operate?

USX 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?

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

Does USX offer online and mobile banking?

Most modern institutions like USX 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.

Current USX Rates

  • 12-Month CD3.50%
  • 24-Month CD2.35%
  • 60-Month CD2.55%
  • Savings0.05%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.