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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Union Square Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Union Square Credit Union's 1 Year IRA CD rates are at 3.51%, 1 Year CDs (CDs) rates are at 3.51%, 6 Month IRA CD rates are at 3.30%, 6 Month CDs (CDs) rates are at 3.30%, 2 Year IRA CD rates are at 3.20%. Union Square Credit Union's money market rates are at 1.01%. Union Square Credit Union's Personal Loan Rates are as low as 8.00%. Union Square Credit Union's Credit Card Rates are at 17.95%. MonitorBankRates evaluates the financial stability of Union Square Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.03%. Rates last updated and verified on 09/22/2026. Union Square 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 Union Square Credit Union? Share your experience about Union Square Credit Union by leaving a review below, or read customer reviews before you decide to use Union Square Credit Union. Union Square Credit Union
Downtown Office 1401 Holliday St
https://www.unionsquare.org Wichita Falls, TX 76301-7108 
Union Square Credit Union CD Rates
Union Square Credit Union Money Market Rates
Union Square Credit Union Checking Rates
Union Square Credit Union Auto Loan Rates
Union Square Credit Union Credit Card Rates
Union Square Credit Union Personal Loan Rates
Union Square Credit Union Other Rates
Financial Health HistoryUnion Square Credit Union’s Texas Ratio rose from 9.28% in Q2 2023 to 21.03% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A to B. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Union Square 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 Union Square 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 Union Square Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Union Square Credit Union
Website
https://www.unionsquare.org
Address
1401 Holliday St,
Wichita Falls, TX 76301-7108
Phone
940-720-8000
Fax
940-720-8070
President
David Nix
CEO
Patrick Murray
Full-Time Employees
141
Part-Time Employees
9
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (84/100)
Texas Ratio
21.03%
Return on Assets (ROA)
0.0376%
Return on Equity (ROE)
0.4564%
Non-Performing Loans Ratio (NPL)
2.64%
Total Assets
599,404,604
Total Amount of Shares and Deposits
549,276,736
Total Shares and Deposits < 1 Year
523,969,472
Total Shares and Deposits 1 3 Years
21,143,025
Total Shares and Deposits > 3 Years
4,164,239
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,473,287
Total Uninsured Shares and Deposits > $250K (F+J)
39,224,588
Total Insured Shares and Deposits > $250K (item 17 less item K)
510,052,148
Total Interest Expense (Sum of items 6 8)
3,052,997
Share Certificates
3,014
Number of Accounts for Share Drafts
21,338
IRA KEOGH Accounts
1,258
Number of Accounts for Regular Shares
38,920
All other shares
1,105
Non Member Deposits
60
Money Market Shares
253
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)
38,957,077
Total Liabilities
552,037,952
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Union Square 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.
Add Your Rating and Review for Union Square Credit Union
Frequently Asked Questions About Union Square Credit UnionHow many branches does Union Square Credit Union operate?Union Square 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 Union Square Credit Union?Yes, to access services at Union Square 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, Union Square 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, Union Square Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Union Square Credit Union offer online and mobile banking?Most modern institutions like Union Square 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.unionsquare.org. Current Union Square Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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