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Union Yes Federal Credit Union

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Union Yes Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Union Yes 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: September 23, 2026

Union Yes Federal Credit Union's Personal Loan Rates are as low as 10.90%. Union Yes Federal Credit Union's Credit Card Rates are at 14.50%. MonitorBankRates evaluates the financial stability of Union Yes Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.46%. Rates last updated and verified on 09/23/2026.

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

Ranked #43 Healthiest 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

0.46%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Union Yes Federal Credit Union
ORANGE

1918 W CHAPMAN AVE STE 100
ORANGE, CA 92868

https://uyfcu.org/

Union Yes Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle Loan	-	-	4.25%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle Loan (2022 or newer)	-	-	5.25%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Vehicle Loan (2021 or older)	-	-	7.25%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Union Yes Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Recreational Vehicle Loan	-	7.50%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Used Recreational Vehicle Loan	-	8.50%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Union Yes Federal Credit Union Credit Card Rates

Product	Rate	APR
Preferred VISA	-	14.50%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
VISA Credit Card	-	14.50%
Details No Annual Fee-Preferred VISA. At least 22 Day Grace Period on Purchases. No Fee For Cash Advances. Credit Limit up to $15,000. 24-Hour Account Access Online or by Telephone. Make Payments Online or by Telephone from a UYFCU Account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Standard VISA	-	16.50%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Union Yes Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.90%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

Union Yes Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Commodities/Precious Metals Loan	-	-	8.00%
Details As Low As; Secured Loans Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Immigration Loan	-	-	10.00%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%
Line-of-Credit Loan	-	-	12.99%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.46%

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

Union Yes Federal Credit Union’s Texas Ratio stayed near 0.15% in Q2 2023 to 0.46% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.8 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
March 31, 2026	$97M	0.46%	5.0	A+
December 31, 2025	$83M	0.00%	5.0	A+
September 30, 2025	$95M	0.17%	5.0	A+
June 30, 2025	$80M	0.49%	5.0	A+
March 31, 2025	$91M	0.18%	5.0	A+
December 31, 2024	$73M	0.15%	5.0	A+
September 30, 2024	$86M	0.78%	4.8	A+
June 30, 2024	$75M	0.13%	5.0	A+
March 31, 2024	$86M	0.15%	4.4	A
December 31, 2023	$78M	0.10%	5.0	A+
September 30, 2023	$90M	0.14%	4.1	A-
June 30, 2023	$80M	0.15%	4.8	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 Union Yes 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 Union Yes 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 Union Yes Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Union Yes Federal Credit Union

Website https://uyfcu.org/

Address 1918 W CHAPMAN AVE STE 100, ORANGE, CA 92868

Phone 714-704-2800

Fax 714-978-9804

President JESSE MARTINEZ

CEO WILLIAM BYERLY, JR

Full-Time Employees 13

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

0.46%

Return on Assets (ROA)

0.1629%

Return on Equity (ROE)

2.1345%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

96,920,624

Total Amount of Shares and Deposits

88,177,577

Total Shares and Deposits < 1 Year

87,425,953

Total Shares and Deposits 1 3 Years

670,368

Total Shares and Deposits > 3 Years

81,255

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

8,762,136

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

8,762,136

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

79,415,441

Total Interest Expense (Sum of items 6 8)

18,090

Share Certificates

Number of Accounts for Share Drafts

1,541

IRA KEOGH Accounts

101

Number of Accounts for Regular Shares

5,022

All other shares

20,457

Money Market Shares

117

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)

18,144,129

Total Liabilities

89,671,918

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Union Yes Federal Credit Union earned the Top 100 Healthiest 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.

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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/union-yes-federal-credit-union-rates-review-24131">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #43 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for Union Yes Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Union Yes Federal Credit Union

Frequently Asked Questions About Union Yes Federal Credit Union

How many branches does Union Yes Federal Credit Union operate?

Union Yes 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 Union Yes Federal Credit Union?

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

Does Union Yes Federal Credit Union offer online and mobile banking?

Most modern institutions like Union Yes 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: https://uyfcu.org/.