What are the current interest rates at Unite Credit Union?

Current rates for Unite Credit Union include: 12-Month CD: 1.75%, 24-Month CD: 1.50%, Savings: 0.10%, MMA: 1.85%

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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

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Unite Credit Union

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Unite Credit Union Rates & Review October 2026

Q: How many branches does Unite Credit Union operate?

Unite 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 Unite Credit Union?

Yes, to access services at Unite 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, Unite 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, Unite 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

Unite Credit Union's top rates as of October 9, 2026 are 2.25% APY on its 3-Month CD, 0.10% APY on savings, 1.85% APY on money market accounts, and personal loans from 8.00% APR, according to rates verified by MonitorBankRates. Other Unite Credit Union CD rates include 6-Month CD at 2.00%, 12 Month CD at 1.75%, and 24-Month CD at 1.50%. MonitorBankRates evaluates the financial stability of Unite Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.08%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.08%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Unite Credit Union
Unite Credit Union

403 Washington St
Cedar Falls, IA 50613

https://unite-cu.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.

Unite Credit Union CD Rates

Product	Rate	APY	Term
3-Month Certificate	2.231%	2.25%	3 months
Min Deposit $500 Min Balance $500 Details Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
6-Month Certificate	1.985%	2.00%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
12 Month Certificate	1.739%	1.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
24-Month Certificate	1.492%	1.50%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
36-Month Certificate	1.244%	1.25%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Savings Rates

Product	Rate	APY
Christmas Club (S4)	0.10%	0.10%
Min Balance $100 Details No deposit required to open. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
IRA Share Savings (S9, S10, S11, S12)	0.10%	0.10%
Min Balance $100 Details Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Secondary Savings (S2)	0.10%	0.10%
Min Balance $100 Details No deposit required to open. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Share Savings (S1)	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Money Market Rates

Product	Rate	APY
Money Market (S7)	1.85%	1.85%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00+. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.65%	1.65%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00-99,999.99. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.45%	1.45%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00-49,999.99. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Money Market (S7)	1.15%	1.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$24,999.99. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 60-Month Fully Amortized	-	-	5.49%	60 months
Details Relationship Discount; 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 60-Month Fully Amortized	-	-	5.74%	60 months
Details 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Line of Credit	-	-	6.00%
Details Advance Amount: Relationship Discount Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Line of Credit	-	-	6.25%
Details Advance Amount: 80% AVM or Appraised Value Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 120-Month Fully Amortized	-	-	6.49%	120 months
Details Relationship Discount; 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 121-180 month Fully Amortized	-	-	6.69%	121-180 months
Details Relationship Discount; Add 2% to 5-year or 10-year fixed Home Equity for LTV over 90%; 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 120-Month Fully Amortized	-	-	6.74%	120 months
Details 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 121-180 month Fully Amortized	-	-	6.94%	121-180 months
Details Add 2% to 5-year or 10-year fixed Home Equity for LTV over 90%; 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 181-240 Fully Amortized	-	-	7.44%	181-240 months
Details Relationship Discount; 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Equity Loan - 181-240 Fully Amortized	-	-	7.69%	181-240 months
Details 90% AVM or Appraised Value; Minimum credit score required for financing Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans - Up to 48 Months	-	-	4.54%	Up to 48 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.64% → 4.54% ▼ 0.10 pts · high 4.64% / low 4.54% Oct 9, 20264.54%▼ from 4.64% Sep 14, 20264.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 60 Months	-	-	4.64%	60 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.64% ▼ 0.10 pts · high 4.74% / low 4.64% Oct 9, 20264.64%▼ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 61-72 Months	-	-	4.74%	61-72 months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - Up to 48 Months	-	-	4.79%	Up to 48 Months
Details As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 4.79% ▼ 0.10 pts · high 4.89% / low 4.79% Oct 9, 20264.79%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Car Loan	4.80%	-	4.80%	60 months
Details Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 84 Months	-	-	4.84%	84 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.94% → 4.84% ▼ 0.10 pts · high 4.94% / low 4.84% Oct 9, 20264.84%▼ from 4.94% Sep 14, 20264.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 60 Months	-	-	4.89%	60 Months
Details As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 4.89% ▼ 0.10 pts · high 4.99% / low 4.89% Oct 9, 20264.89%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Car Loan	4.90%	-	4.90%	60 months
Details Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans	-	-	4.94%	84 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 61-72 Months	-	-	4.99%	61-72 months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans - 84 Months	-	-	5.09%	84 Months
Details As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.19% → 5.09% ▼ 0.10 pts · high 5.19% / low 5.09% Oct 9, 20265.09%▼ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Car Loan	5.10%	-	5.10%	72 months
Details Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New Car Loan	5.15%	-	5.15%	72 months
Details Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Auto Loans	-	-	5.19%	84 Months
Details 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - Up to 36 Months	-	-	7.29%	Up to 36 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 48 Months	-	-	7.34%	48 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.55% → 7.34% ▼ 0.21 pts · high 7.55% / low 7.34% Oct 9, 20267.34%▼ from 7.55% Sep 14, 20267.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 60 Months	-	-	7.54%	60 Months
Details Relationship Rate; As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - Up to 36 Months	-	-	7.54%	Up to 36 Months
Details 100% of NADA Retail (RTL); As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 48 Months	-	-	7.59%	48 Months
Details 100% of NADA Retail (RTL); As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.55% → 7.59% ▲ 0.04 pts · high 7.59% / low 7.55% Oct 9, 20267.59%▲ from 7.55% Sep 14, 20267.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Titled Vehicles/Classic Automobiles - 60 Months	-	-	7.79%	60 Months
Details 100% of NADA Retail (RTL); As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Motor Homes, Boats and Travel Trailers Loan	-	5.99%	60 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.24%	60 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.24%	Up to 72 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.49%	Up to 72 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.49%	Up to 96 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.74%	Up to 96 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	6.99%	Up to 120 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	7.24%	Up to 120 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	7.49%	180 Months
Details Relationship Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
New & Used Motor Homes, Boats and Travel Trailers Loan	-	7.74%	180 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Personal Loan Rates

Product	APR	Term
Cross-Collateralized Loans (Personal Loans)	8.00%	Up to 12 Months
Details Relationship Rate (As low as) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	8.20%	13 to 24 Months
Details Relationship Rate (As low as) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.20% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	8.25%	Up to 12 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 9, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	8.45%	13 to 24 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	8.45%	25 to 36 Months
Details Relationship Rate (As low as) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	8.70%	25 to 36 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	9.45%	37 to 48 Months
Details Relationship Rate (As low as) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	9.70%	37 to 48 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	10.45%	up to 60 months
Details Relationship Rate (As low as) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Cross-Collateralized Loans (Personal Loans)	10.70%	up to 60 months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.45% → 10.70% ▲ 0.25 pts · high 10.70% / low 10.45% Oct 9, 202610.70%▲ from 10.45% Sep 14, 202610.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

Unite Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Loans	8.35%	-	8.35%	36 months
Details Common uses: lawn mowers, personal computers, pop-up campers, snowmobiles, travel trailers, ATVs, tractors, household appliances, off-road motorcycles, etc. Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.35% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Consumer Loans	9.35%	-	9.35%	48 months
Details Common uses: lawn mowers, personal computers, pop-up campers, snowmobiles, travel trailers, ATVs, tractors, household appliances, off-road motorcycles, etc. Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loans	8.20%	-	8.20%	10 years
Details Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. Payment Example: For $50,000 with a 10-year fixed rate, amortized over a 10-year term at 8.20% APR, the monthly payment will be $611.96. All Loans subject to approval and based on credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.20% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loans - 120 months up to 133% LTV	-	-	8.19%	120 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loans - 120 months up to 133% LTV	-	-	7.94%	120 months
Details Relationship Rate; As low as* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loans - 60 months up to 133% LTV	-	-	7.44%	60 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Home Improvement Loans - 60 months up to 133% LTV	-	-	7.19%	60 months
Details Relationship Rate; As low as* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Rapid Cash Loan	-	-	18.99%	Up to 6 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	4.74%	Up to 48 Months
Details Additional APR listed for this product: 4.94%, 5.04%. 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	4.84%	60 Months
Details Additional APR listed for this product: 5.04%, 5.14%, 5.44%. 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.04% → 4.84% ▼ 0.20 pts · high 5.04% / low 4.84% Oct 9, 20264.84%▼ from 5.04% Sep 14, 20265.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	4.94%	72 Months
Details Additional APR listed for this product: 5.24%, 5.34%. 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.19% → 4.94% ▼ 0.25 pts · high 5.19% / low 4.94% Oct 9, 20264.94%▼ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	5.14%	84 Months
Details 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.39% → 5.14% ▼ 0.25 pts · high 5.39% / low 5.14% Oct 9, 20265.14%▼ from 5.39% Sep 14, 20265.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	4.84%	Up to 48 Months
Details As low as APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	4.94%	60 Months
Details As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.04% → 4.94% ▼ 0.10 pts · high 5.04% / low 4.94% Oct 9, 20264.94%▼ from 5.04% Sep 14, 20265.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	5.14%	72 Months
Details As low as APR* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.19% → 5.14% ▼ 0.05 pts · high 5.19% / low 5.14% Oct 9, 20265.14%▼ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	5.24%	Up to 36 Months
Details 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Relationship Rate Loan	-	-	5.34%	48 Months
Details 100% of NADA Retail (RTL) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Share Draft (S5)	0.05%	-	0.05%
Min Balance $500 Details $500 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. Open online Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.499%	-	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00- $199.99; Open online Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.747%	-	0.75%
Min Deposit $200 Min Balance $200 Details Balance: $200.00-$399.99; Open online Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	0.996%	-	1.00%
Min Deposit $400 Min Balance $400 Details Balance: $400.00- $999.99; Open online Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%
Youth Certificate- Add	1.244%	-	1.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000.00- plus; Open online Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.08%

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.
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Financial Health History

Unite Credit Union’s Texas Ratio rose from 3.87% in Q3 2023 to 12.08% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$24M	12.08%	5.0	A
March 31, 2026	$24M	0.00%	5.0	A+
December 31, 2025	$23M	5.31%	5.0	A+
September 30, 2025	$22M	1.32%	5.0	A+
June 30, 2025	$22M	1.46%	5.0	A+
March 31, 2025	$22M	2.39%	5.0	A+
December 31, 2024	$22M	4.18%	5.0	A+
September 30, 2024	$21M	5.03%	5.0	A+
June 30, 2024	$22M	3.43%	5.0	A+
March 31, 2024	$23M	2.82%	5.0	A+
December 31, 2023	$23M	4.76%	5.0	A+
September 30, 2023	$24M	3.87%	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 Unite 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 Unite 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 Unite Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Unite Credit Union

Website https://unite-cu.org/

Address 403 Washington St, Cedar Falls, IA 50613

Phone 319-273-2479

Fax 319-266-3761

President Gayle Pohl

CEO Miguel Reyes

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 2

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 (94/100)

Texas Ratio

12.08%

Return on Assets (ROA)

-0.1127%

Return on Equity (ROE)

-0.9533%

Non-Performing Loans Ratio (NPL)

3.42%

Total Assets

23,631,511

Total Amount of Shares and Deposits

20,650,385

Total Shares and Deposits < 1 Year

19,996,567

Total Shares and Deposits 1 3 Years

653,816

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

12,617

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

12,617

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

20,637,768

Total Interest Expense (Sum of items 6 8)

106,427

Share Certificates

247

Number of Accounts for Share Drafts

877

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,851

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

-23,618

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)

2,561,937

Total Liabilities

20,837,437

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Unite 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.

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  <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 Unite Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Unite Credit Union

Frequently Asked Questions About Unite Credit Union

How many branches does Unite Credit Union operate?

Unite 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 Unite Credit Union?

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

Does Unite Credit Union offer online and mobile banking?

Most modern institutions like Unite 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://unite-cu.org/.

Current Unite Credit Union Rates

12-Month CD1.75%
24-Month CD1.50%
Savings0.10%
MMA1.85%

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

Compare to Other Credit Unions

Unite Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Unite Credit Union Texas Ratio

Unite Credit Union Health Trend

Unite Credit Union CD Rates

Unite Credit Union Savings Rates

Unite Credit Union Money Market Rates

Unite Credit Union Home Equity & HELOC

Unite Credit Union Auto Loan Rates

Unite Credit Union RV, Boat and Powersport Loan Rates

Unite Credit Union Personal Loan Rates

Unite Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Unite Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unite Credit Union

How many branches does Unite Credit Union operate?

Is a member application needed to join Unite Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unite Credit Union offer online and mobile banking?

Current Unite Credit Union Rates

Compare to Other Credit Unions