What are the current interest rates at United Methodist Credit Union?

Current rates for United Methodist Credit Union include: Savings: 0.25%

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United Methodist Credit Union

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United Methodist Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Methodist 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 9, 2026

United Methodist Credit Union's top rate as of October 9, 2026 is 0.25% APY on savings, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of United Methodist Credit Union with a 2.1 Star Rating, an F Overall Health Grade, and a Texas Ratio of 49.72%. Rates last updated and verified on 10/09/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 46/100

MonitorBankRates Rating

2.1

Average Out of 5.0 Stars

Texas Ratio

49.72%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

United Methodist Credit Union
Virginia United Methodist Credit Union

7305 Boulder View Ln
North Chesterfield, VA 23225-4953

https://www.tumcu.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.

United Methodist Credit Union Savings Rates

Product	Rate	APY	View More
TUMCU Savings	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Dividend rate and APY are paid quarterly on the average daily balance. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 2.1 Star Rating F Health Grade ◈ Texas Ratio: 49.72%

United Methodist Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Vacation Loan	14.00%	-	14.00%	3 to 12 months
Details Subject to a $25 application fee. You must be a TUMCU Member and in good standing for at least 1 year before receiving a Vacation Loan. We allow members to have only one (1) loan of this type ($1,000 loan with no credit-check). If you have a current Christmas loan or other no credit-check loan from us with a balance, it must be paid off first before receiving another. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 2 times Institution Ratings 2.1 Star Rating F Health Grade ◈ Texas Ratio: 49.72%

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

United Methodist Credit Union’s Texas Ratio rose from 9.59% in Q3 2023 to 49.72% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.1 and its Health Grade from A to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$15M	49.72%	2.1	F
March 31, 2026	$17M	39.31%	3.0	D
December 31, 2025	$16M	35.11%	3.3	D
September 30, 2025	$16M	40.30%	2.9	F
June 30, 2025	$17M	34.45%	3.4	D
March 31, 2025	$19M	27.98%	3.9	C
December 31, 2024	$18M	28.24%	3.9	C
September 30, 2024	$17M	20.08%	4.6	B
June 30, 2024	$18M	13.80%	5.0	A
March 31, 2024	$17M	12.52%	5.0	A
December 31, 2023	$18M	8.44%	5.0	A
September 30, 2023	$18M	9.59%	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 United Methodist 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 United Methodist 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 United Methodist Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Methodist Credit Union

Website https://www.tumcu.org

Address 7305 Boulder View Ln, North Chesterfield, VA 23225-4953

Phone 804-672-0200

Fax 804-672-0444

President Alvin Horton

CEO James Eads

Full-Time Employees 6

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

2.1 / 5.0 ★

Overall Health & Safety Grade

F (46/100)

Texas Ratio

49.72%

Return on Assets (ROA)

0.0502%

Return on Equity (ROE)

0.4927%

Non-Performing Loans Ratio (NPL)

5.95%

Total Assets

15,014,123

Total Amount of Shares and Deposits

13,454,088

Total Shares and Deposits < 1 Year

12,990,504

Total Shares and Deposits 1 3 Years

417,919

Total Shares and Deposits > 3 Years

45,665

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

764,605

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

764,605

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

12,689,483

Total Interest Expense (Sum of items 6 8)

58,525

Share Certificates

127

Number of Accounts for Share Drafts

511

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,864

Money Market Shares

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)

418,696

Total Liabilities

13,485,722

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About United Methodist Credit Union

How many branches does United Methodist Credit Union operate?

United Methodist 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 United Methodist Credit Union?

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

Does United Methodist Credit Union offer online and mobile banking?

Most modern institutions like United Methodist Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tumcu.org.