What are the current interest rates at Unison Credit Union?

Current rates for Unison Credit Union include: 12-Month CD: 2.52%, 18-Month CD: 2.52%, 24-Month CD: 2.52%, 60-Month CD: 2.52%, Savings: 3.04%, MMA: 0.10%

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›
Unison Credit Union

iAdvertiser Disclosure

Unison Credit Union Rates & Review October 2026

Q: How many branches does Unison Credit Union operate?

Unison 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 Unison Credit Union?

Yes, to access services at Unison 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: Is there a first-time homebuyer program?

Currently, Unison 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Unison 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

Unison Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 12 Month IRA CD, 3.04% APY on savings, 0.10% APY on money market accounts, 0.10% APY on checking, 5.50% on its 3 Year ARM (Adjustable Rate Mortgage) Construction Loan, auto loans from 5.99% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other Unison Credit Union CD rates include 12 Month Term CD at 5.00%, 23 Month Business Term CD at 4.75%, and 23 Month IRA CD at 4.75%. Other Unison Credit Union mortgage rates include 10 Year Fixed Rate Construction Loan at 6.25%, New Home and Advantage Home Loans - 10 Year Fixed Rate Mortgage Loan at 6.25%, and 7 Year ARM (Adjustable Rate Mortgage) Construction Loan at 6.00%. MonitorBankRates evaluates the financial stability of Unison Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.70%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

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

Health Trend

Very strong 12 quarters

Full history ›

Unison Credit Union
South Office

1616 Crooks Ave
Kaukauna, WI 54130

https://www.unisoncu.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.

Unison Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Share Certificate	-	5.00%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
12 Month Term Share Certificate	-	5.00%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
23 Month IRA Share Certificate	4.67%	4.75%	23 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 5, 20264.75%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
23 Month Term Share Certificate	4.67%	4.75%	23 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
13 Month IRA Share Certificate	4.43%	4.50%	13 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
13 Month Term Share Certificate	4.43%	4.50%	13 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
12 Month IRA Share Certificate	2.50%	2.52%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
12 Month Term Share Certificate	2.50%	2.52%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
18 Month IRA Share Certificate	2.50%	2.52%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
18 Month Term Share Certificate	2.50%	2.52%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
24 Month IRA Share Certificate	2.50%	2.52%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
24 Month Term Share Certificate	2.50%	2.52%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Month Term Share Certificate	2.50%	2.52%	30 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
36 Month IRA Share Certificate	2.50%	2.52%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
36 Month Term Share Certificate	2.50%	2.52%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
48 Month IRA Share Certificate	2.50%	2.52%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
48 Month Term Share Certificate	2.50%	2.52%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
60 Month IRA Share Certificate	2.50%	2.52%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
60 Month Term Share Certificate	2.50%	2.52%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
6 Month IRA Share Certificate	1.75%	1.76%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
6 Month Term Share Certificate	1.75%	1.76%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
90 Day IRA Share Certificate	1.00%	1.01%	90 Day
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
90 Day Term Share Certificate	1.00%	1.01%	90 Day
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Business CD Rates

Product	Rate	APY	Term
23 Month Business Term Share Certificate	4.67%	4.75%	23 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 5, 20264.75%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
13 Month Business Term Share Certificate	4.43%	4.50%	13 Month
Min Deposit $2,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
12 Month Business Term Share Certificate	2.50%	2.52%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
18 Month Business Term Share Certificate	2.50%	2.52%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
24 Month Business Term Share Certificate	2.50%	2.52%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Month Business Term Share Certificate	2.50%	2.52%	30 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
36 Month Business Term Share Certificate	2.50%	2.52%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
48 Month Business Term Share Certificate	2.50%	2.52%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
60 Month Business Term Share Certificate	2.50%	2.52%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
6 Month Business Term Share Certificate	1.75%	1.76%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
90 Day Business Term Share Certificate	1.00%	1.01%	90 Day
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Savings Rates

Product	Rate	APY
Empowering Kids Savings	3.00%	3.04%
Min Deposit $5 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Empowering Teens Savings	3.00%	3.04%
Min Deposit $5 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Health Savings	0.75%	0.75%
Min Deposit $0 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Individual Retirement Accounts (IRA) Savings	0.75%	0.75%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
IRA Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Property Tax Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Sub-Share Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Business Savings Rates

Product	Rate	APY
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Business Sub-Share Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	0.10%	0.10%
Details Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Checking Rates

Product	Rate	APY	View More
Checking Plus	0.10%	0.10%
Min Deposit $0 Min Balance $500 Details Minimum Daily Balance to Avoid Fee: $200 OR Direct Deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Deposit $0 Min Balance $2,500 Details Minimum Daily Balance to Avoid Fee: $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate Construction Loan	6.25%	-	6.34%	10 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 10 Year Fixed Rate Mortgage Loan	6.25%	-	6.34%	10 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
7 Year ARM (Adjustable Rate Mortgage) Construction Loan	6.00%	-	6.549%	7 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.29% → 6.55% ▲ 0.26 pts · high 6.55% / low 6.29% Oct 5, 20266.55%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 7 Year ARM (Adjustable Rate Mortgage) Loan	6.00%	-	6.549%	7 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.29% → 6.55% ▲ 0.26 pts · high 6.55% / low 6.29% Sep 26, 20266.55%▲ from 6.29% Sep 18, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
5 Year ARM (Adjustable Rate Mortgage) Construction Loan	5.75%	-	6.576%	5 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.31% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.31% Oct 5, 20266.58%▲ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 5 Year ARM (Adjustable Rate Mortgage) Loan	5.75%	-	6.576%	5 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.31% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.31% Sep 26, 20266.58%▲ from 6.31% Sep 18, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
3 Year ARM (Adjustable Rate Mortgage) Construction Loan	5.50%	-	6.694%	3 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.43% → 6.69% ▲ 0.27 pts · high 6.69% / low 6.43% Oct 5, 20266.69%▲ from 6.43% Sep 14, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 3 Year ARM (Adjustable Rate Mortgage) Loan	5.50%	-	6.694%	3 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.43% → 6.69% ▲ 0.27 pts · high 6.69% / low 6.43% Sep 26, 20266.69%▲ from 6.43% Sep 18, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 15 Year Fixed Rate Mortgage Loan	7.00%	-	7.063%	15 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.56% → 7.06% ▲ 0.50 pts · high 7.06% / low 6.56% Oct 1, 20267.06%▲ from 6.94% Sep 26, 20266.94%▲ from 6.56% Sep 18, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New Home and Advantage Home Loans - 30 Year Fixed Rate Mortgage Loan	7.50%	-	7.54%	30 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.16% → 7.54% ▲ 0.38 pts · high 7.54% / low 7.16% Oct 1, 20267.54%▲ from 7.42% Sep 26, 20267.42%▲ from 7.16% Sep 18, 20267.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
15 Year Fixed Rate Construction Loan	7.50%	-	7.564%	15 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.44% → 7.56% ▲ 1.12 pts · high 7.56% / low 6.44% Oct 5, 20267.56%▲ from 6.44% Sep 14, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
30 Year Fixed Rate Construction Loan	8.00%	-	8.041%	30 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.91% → 8.04% ▲ 1.13 pts · high 8.04% / low 6.91% Oct 5, 20268.04%▲ from 6.91% Sep 14, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
3 Year ARM (Adjustable Rate Mortgage) Home Equity Loan	6.50%	-	6.899%	3 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Home Equity Line of Credit (HELOC)	7.00%	-	7.00%
Details Rates as Low as* Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 4.00% Oct 5, 20267.00%▲ from 4.00% Sep 22, 20264.00%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
5 Year ARM (Adjustable Rate Mortgage) Home Equity Loan	6.75%	-	7.05%	5 Year
Details Rates as Low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New - 2017 Auto Loan	-	-	5.99%	84 Months
Details As Low As; Payments per $1,000: $14.61 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 5, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
2016 & Older Auto Loan	-	-	6.49%	36 Months
Details As Low As; Payments per $1,000: $30.65 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
2016 & Older Auto Loan	-	-	6.99%	48 Months
Details As Low As; Payments per $1,000: $23.95 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV Loan - New - 2017	-	3.99%	36 Months
Details Age of ATV: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan - New - 2017	-	3.99%	48 Months
Details Age of ATV: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan - New - 2017	-	3.99%	60 Months
Details Age of ATV: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan - New - 2017	-	3.99%	72 Months
Details Age of ATV: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loans	-	3.99%	72 months
Details As low as; requires at least a $10,000 new loan amount, a credit score of 720 or higher and vehicle year of 2017 or newer. Other rates and terms available for refinances without $10,000 in new money, credit scores of 719 or lower, and vehicle years 2016 or older. Actual approval rate determined by credit score, model year, term and underwriting. Offer ends 10/31/26. Rates subject to change without notice. Membership eligibility required. NCUA insured. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 5, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Boat Loans	-	3.99%	72 months
Details As low as; requires at least a $10,000 new loan amount, a credit score of 720 or higher and vehicle year of 2017 or newer. Other rates and terms available for refinances without $10,000 in new money, credit scores of 719 or lower, and vehicle years 2016 or older. Actual approval rate determined by credit score, model year, term and underwriting. Offer ends 10/31/26. Rates subject to change without notice. Membership eligibility required. NCUA insured. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.45% → 3.99% ▼ 0.46 pts · high 4.45% / low 3.99% Oct 5, 20263.99%▼ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New - 2017 Boat Loan	-	3.99%	36 Months
Details Age of Boat: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New - 2017 Boat Loan	-	3.99%	48 Months
Details Age of Boat: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New - 2017 Boat Loan	-	3.99%	60 Months
Details Age of Boat: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
New - 2017 Boat Loan	-	3.99%	72 Months
Details Age of Boat: New - 2017 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Motorcycle Loan - New - 2017	-	5.99%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 5, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
2016 & Older Boat Loan	-	6.49%	36 Months
Details Age of Boat: 2016 & Older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan - 2016 & Older	-	6.49%	36 Months
Details Age of ATV: 2016 & Older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Motorcycle Loan - 2016 & Older	-	6.49%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
2016 & Older Boat Loan	-	6.99%	48 Months
Details Age of Boat: 2016 & Older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
ATV Loan - 2016 & Older	-	6.99%	48 Months
Details Age of ATV: 2016 & Older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Recreational Vehicle Loan	-	6.99%	60 Month Balloon
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Recreational Vehicle Loan	-	7.99%	120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum with Rewards	-	12.99%
Details Balance Transfer:; Cash Advance: 3% of amount $3 min / $10 max; Foreign Transaction: 1% of amount; Late/Return Payment: $10.00; Annual Fee: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

Unison Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Line of Credit	-	-	9.99%	48 Month
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
QuickLend Loan	-	-	7.99%	36 Months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
QuickLend Loan	-	-	8.99%	48 Months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	8.99%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	9.99%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
U Choose Loans	-	-	10.99%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	0.75%	-	0.75%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	1.00%	-	1.01%
Min Deposit $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 1.01% ▼ 0.25 pts · high 1.26% / low 1.01% Sep 18, 20261.01%▼ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	1.75%	-	1.76%
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	2.50%	-	2.53%
Min Deposit $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	1.00%	-	1.01%
Min Deposit $0 Details With Checking Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 1.01% ▼ 0.25 pts · high 1.26% / low 1.01% Sep 18, 20261.01%▼ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	1.25%	-	1.26%
Min Deposit $15,000 Details With Checking Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	2.00%	-	2.02%
Min Deposit $100,000 Details With Checking Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%
Ultimate Individual Retirement Accounts (IRA)	2.75%	-	2.79%
Min Deposit $500,000 Details With Checking Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.70%

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

Unison Credit Union’s Texas Ratio stayed near 1.85% in Q3 2023 to 1.70% in Q2 2026, so its financial health has stayed 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	$394M	1.70%	5.0	A+
March 31, 2026	$389M	2.40%	5.0	A+
December 31, 2025	$384M	2.39%	5.0	A+
September 30, 2025	$365M	1.93%	5.0	A+
June 30, 2025	$363M	1.87%	5.0	A+
March 31, 2025	$346M	1.54%	5.0	A+
December 31, 2024	$339M	1.76%	5.0	A+
September 30, 2024	$334M	1.98%	5.0	A+
June 30, 2024	$326M	2.42%	5.0	A+
March 31, 2024	$329M	1.92%	5.0	A+
December 31, 2023	$323M	2.50%	5.0	A+
September 30, 2023	$313M	1.85%	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 Unison 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 Unison 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 Unison Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Unison Credit Union

Website https://www.unisoncu.org

Address 1616 Crooks Ave, Kaukauna, WI 54130

Phone 920-766-6000

Fax 920-766-6004

President Joe Verhagen

CEO Mark Hietpas

Full-Time Employees 66

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

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)

0.4513%

Return on Equity (ROE)

4.7792%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

393,619,388

Total Amount of Shares and Deposits

321,657,456

Total Shares and Deposits < 1 Year

319,356,024

Total Shares and Deposits 1 3 Years

1,856,142

Total Shares and Deposits > 3 Years

445,290

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

26,530,795

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

26,530,795

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

295,126,661

Total Interest Expense (Sum of items 6 8)

3,188,800

Share Certificates

2,140

Number of Accounts for Share Drafts

12,005

IRA KEOGH Accounts

788

Number of Accounts for Regular Shares

29,391

All other shares

630

Money Market Shares

1,126

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)

13,229,409

Total Liabilities

361,675,472

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Unison 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/unison-credit-union-rates-review-66851">
  <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 Unison 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 Unison Credit Union

Frequently Asked Questions About Unison Credit Union

How many branches does Unison Credit Union operate?

Unison 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 Unison Credit Union?

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

Does Unison Credit Union offer online and mobile banking?

Most modern institutions like Unison 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.unisoncu.org.

Current Unison Credit Union Rates

12-Month CD2.52%
18-Month CD2.52%
24-Month CD2.52%
60-Month CD2.52%
Savings3.04%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Unison Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Unison Credit Union Texas Ratio

Unison Credit Union Health Trend

Unison Credit Union CD Rates

Unison Credit Union Business CD Rates

Unison Credit Union Savings Rates

Unison Credit Union Business Savings Rates

Unison Credit Union Money Market Rates

Unison Credit Union Checking Rates

Unison Credit Union Business Checking Rates

Unison Credit Union Mortgage Rates

Unison Credit Union Home Equity & HELOC

Unison Credit Union Auto Loan Rates

Unison Credit Union RV, Boat and Powersport Loan Rates

Unison Credit Union Credit Card Rates

Unison Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Unison Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unison Credit Union

How many branches does Unison Credit Union operate?

Is a member application needed to join Unison Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unison Credit Union offer online and mobile banking?

Current Unison Credit Union Rates

Compare to Other Credit Unions