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%

MonitorBankRates

☰

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

Home›
Credit Unions›
USX Federal Credit Union

iAdvertiser Disclosure

USX Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

USX Federal Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 15 Month CD, 1.00% APY on savings, 1.10% APY on money market accounts, 0.05% APY on checking, personal loans from 9.74% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other USX Federal Credit Union CD rates include 15 Month CD at 4.00%, 15 Month CD at 4.00%, and 12 Month CD at 3.50%. 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 10/10/2026.

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 Q2 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

Customer Reviews

Be the first to review

Write a Review

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 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
15 Month Share Certificate	-	4.00%	15 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
15 Month Share Certificate	-	4.00%	15 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Certificate	-	3.50%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Certificate	-	3.50%	12 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Certificate	-	3.50%	12 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Share Certificate	-	3.25%	6 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Certificate	-	2.70%	60 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Certificate	-	2.60%	36 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Certificate	-	2.60%	48 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Certificate	-	2.60%	60 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Certificate	-	2.55%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Certificate	-	2.50%	24 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Certificate	-	2.50%	36 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Certificate	-	2.50%	48 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
36 Month Certificate	-	2.45%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
48 Month Certificate	-	2.45%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Certificate	-	2.40%	24 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Certificate	-	2.35%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

USX Federal Credit Union Savings Rates

Product	Rate	APY
Special Youth Savings	-	1.00%
Min Balance $500 Details 1.00% APY applies to balances up to $500.00 only and balance over $500.00 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Dividend Rate please refer to the published Dividend rates. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	1.00%
Details on first $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Balance: Level 5 Balances $100,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	1.00%
Min Balance $50,000 Details Balance: Level 4 Balances $50,000 to $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.85%
Min Balance $25,000 Details Balance: Level 3 Balances $25,000 to $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.60%
Min Balance $10,000 Details Balance: Level 2 Balances $10,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
IMMA Shares	-	0.50%
Min Balance $0 Details Balance: Level 1 Balances under $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 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%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Loans	-	-	5.04%	5 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 4.89% → 5.04% ▲ 0.15 pts · high 5.39% / low 4.54% Oct 6, 20265.04%▼ from 5.39% Oct 2, 20265.39%▲ from 4.54% Sep 22, 20264.54%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	5.39%	5 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.89% → 5.39% ▲ 0.50 pts · high 5.39% / low 4.54% Oct 2, 20265.39%▲ from 4.54% Sep 22, 20264.54%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loans	-	-	5.44%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 5.29% → 5.44% ▲ 0.15 pts · high 5.79% / low 4.94% Oct 6, 20265.44%▼ from 5.79% Oct 2, 20265.79%▲ from 4.94% Sep 22, 20264.94%▼ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	5.69%	5 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.89% → 5.69% ▲ 0.80 pts · high 5.69% / low 4.54% Oct 2, 20265.69%▲ from 4.54% Sep 22, 20264.54%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	5.79%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.29% → 5.79% ▲ 0.50 pts · high 5.79% / low 4.94% Oct 2, 20265.79%▲ from 4.94% Sep 22, 20264.94%▼ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loans	-	-	5.84%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 5.69% → 5.84% ▲ 0.15 pts · high 6.19% / low 5.34% Oct 6, 20265.84%▼ from 6.19% Oct 2, 20266.19%▲ from 5.34% Sep 22, 20265.34%▼ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	6.09%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.29% → 6.09% ▲ 0.80 pts · high 6.09% / low 4.94% Oct 2, 20266.09%▲ from 4.94% Sep 22, 20264.94%▼ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loans	-	-	6.14%	20 Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 5.64% → 6.14% ▲ 0.50 pts · high 6.14% / low 4.25% Oct 6, 20266.14%▲ from 4.25% Oct 2, 20264.25%▼ from 5.64% Oct 1, 20265.64%▲ from 4.25% Sep 18, 20264.25%▼ from 5.64% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	6.19%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.69% → 6.19% ▲ 0.50 pts · high 6.19% / low 5.34% Oct 2, 20266.19%▲ from 5.34% Sep 22, 20265.34%▼ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loan	-	-	6.49%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.69% → 6.49% ▲ 0.80 pts · high 6.49% / low 5.34% Oct 2, 20266.49%▲ from 5.34% Sep 22, 20265.34%▼ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Fixed Rate Home Equity Loans	-	-	7.00%	180 months
Details Rates are "as low as" for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.34% → 7.00% ▲ 1.66 pts · high 7.00% / low 5.34% Oct 2, 20267.00%▲ from 5.34% Sep 14, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Variable Rate Home Equity Line-of-Credit (HELOC)	-	-	7.00%	10 Year Draw Period
Details Rates are adjusted on a quarterly basis and are indexed to a Prime Rate published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective October 1, 2026 based on the WALL STREET JOURNAL. Prime rate is (7.00%) as of September 20, 2026 in accordance with loan terms. Maximum adjustment is 2% in a calendar year. Rate cannot go below 4.0% Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.79% → 7.00% ▲ 2.21 pts · high 7.00% / low 4.79% Oct 2, 20267.00%▲ from 4.79% Sep 14, 20264.79%first recorded 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 Model years 2027-2026-2025-2024 Loan	-	-	5.14%	Up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New Vehicle Loan	-	-	5.25%	37-48 months
Details Rates are "as low as" for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. USX FCU loan amount must be $30,000.00 or greater to be eligible for 73 - 84 month financing. Credit Tiers 1 - 4 only. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan	-	-	5.34%	49 to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan	-	-	5.54%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan	-	-	5.74%	73 to 84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater) - Up to 48 Months	-	-	5.84%	Up to 48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater) - 49 to 60 Months	-	-	6.04%	49 to 60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater) - 61 to 72 Months	-	-	6.24%	61 to 72 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models - Up to 48 months	-	-	6.30%	Up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models (Loan Amounts of or Greater) - 73 to 84 Months	-	-	6.44%	73 to 84 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models - 49 to 60 months	-	-	6.50%	49 to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2023 - 2022 Models - 61 to 72 months	-	-	6.70%	61 to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2021-2017 Loan	-	-	8.39%	1 to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Used Vehicles 2021-2017 Loan	-	-	8.59%	49 to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.59% APR · checked 2 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.39% APR · checked 2 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.59% APR · checked 2 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 up to 96 months Loan	-	7.22%	96 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.97% → 7.22% ▲ 0.25 pts · high 7.22% / low 6.97% Oct 6, 20267.22%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Boats & Motor Homes, Travel Trailers - Used up to 60 months Loan	-	8.22%	60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.97% → 8.22% ▲ 0.25 pts · high 8.22% / low 7.97% Oct 6, 20268.22%▲ from 7.97% Sep 14, 20267.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Boats & Motor Homes, Travel Trailers - Used 61 to 72 months Loan	-	8.72%	72 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.47% → 8.72% ▲ 0.25 pts · high 8.72% / low 8.47% Oct 6, 20268.72%▲ from 8.47% Sep 14, 20268.47%first recorded 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 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%; APR range: 9.90% to 15.90% Fixed APR for 24 months after card issued Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 9.90% APR · checked 3 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 10/10/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 7 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
Home Loans	-	-	5.69%
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 5.69% ▲ 0.80 pts · high 5.69% / low 4.89% Oct 6, 20265.69%▲ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Plan 1 Loan	-	-	6.00%
Details Maximum (LTV)Loan to Value: 60%; Adjustment to Index: Prime - 1.0%; Maximum Loan Amount: $250,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 6, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Plan 2 Loan	-	-	6.50%
Details Maximum (LTV)Loan to Value: 70%; Adjustment to Index: Prime - 0.5%; Maximum Loan Amount: $250,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 6, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Plan 3 Loan	-	-	7.00%
Details Maximum (LTV)Loan to Value: 80%; Adjustment to Index: Prime; Maximum Loan Amount: $250,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 6, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Plan 4 Loan	-	-	8.00%
Details Maximum (LTV)Loan to Value: 90%; Adjustment to Index: Prime + 1.0%; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 6, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Pledge Loans	-	-	5.25%	48 months
Details Rates are "as low as" for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.25% APR · checked 2 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
Last Updated 10/10/2026 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
Last Updated 10/10/2026 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 10/10/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Regular Shares	-	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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

Q2 2026 MBR Health & Safety Badge

USX Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/usx-rates-review-2740">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 USX Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for USX Federal Credit Union

Frequently Asked Questions About USX Federal Credit Union

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.

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 October 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

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?

Current USX Federal Credit Union Rates

Compare to Other Credit Unions