What are the current interest rates at United Credit Union Tyler, TX?

Current rates for United Credit Union Tyler, TX include: 12-Month CD: 3.30%, 24-Month CD: 3.00%

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United Credit Union Tyler, TX

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United Credit Union Tyler, TX Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Credit Union Tyler, TX 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 22, 2026

United Credit Union Tyler, TX's 12 Month Jumbo CD rates are at 3.40%, 12 Month IRA CD Cert. rates are at 3.30%, 12 Month JUMBO IRA Cert. rates are at 3.30%, 12 Month Term CD rates are at 3.30%, 36 Month Special rates are at 3.20%. United Credit Union Tyler, TX's Personal Loan Rates are as low as 7.74%. MonitorBankRates evaluates the financial stability of United Credit Union Tyler, TX with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 11.20%. Rates last updated and verified on 09/22/2026.

United Credit Union Tyler, TX money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Credit Union Tyler, TX? Share your experience about United Credit Union Tyler, TX by leaving a review below, or read customer reviews before you decide to use United Credit Union Tyler, TX.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

11.20%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

United Credit Union Tyler, TX
United Credit Union

4901 Old Jacksonville Hwy
Tyler, TX 75703-3373

https://www.unitedcu.coop/

United Credit Union Tyler, TX CD Rates

Product	Rate	APY	Term
12 Month Jumbo Certificate	3.35%	3.40%	12 months
Details $25,000; Penalty for Early Surrender: 6 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
12 Month IRA Term Share Cert.	3.25%	3.30%	12 months
Details Penalty for Early Surrender: 12 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
12 Month JUMBO IRA Cert.	3.25%	3.30%
Details $25,000; Penalty for Early Surrender: 6 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
12 Month Term Share Certificate	3.25%	3.30%	12 Month
Details Penalty for Early Surrender: 6 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
36 Month Special	3.15%	3.20%
Details min $25,000; Penalty for Early Surrender: 36 Months (Non Auto Renewal) Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
6 Month Term Share Certificate	3.11%	3.15%	6 Month
Details Penalty for Early Surrender: 3 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
24 Month IRA Term Share Cert.	2.96%	3.00%	24 months
Details Penalty for Early Surrender: 12 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
24 Month Term Share Certificate	2.96%	3.00%	24 Month
Details Penalty for Early Surrender: 12 Months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%

United Credit Union Tyler, TX Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.24%	up to 48 months
Details Maximum Available Term: Up to 84 months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%

United Credit Union Tyler, TX RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	5.24%	up to 48 months
Details Maximum Available Term: Up to 72 months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
RV/Boat Loan	-	5.74%	up to 48 months
Details Maximum Available Term: Up to 96 months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%

United Credit Union Tyler, TX Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.74%	up to 60 months
Details Maximum Available Term: Up to 60 months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%

United Credit Union Tyler, TX Other Rates

Product	Rate	Points	APY/APR	Term
Equipment Loan	-	-	6.50%	up to 36 months
Details Maximum Available Term: Up to 48 months Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
IRA Shares	0.40%	-	0.40%
Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
MM	0.25%	-	0.25%
Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%
Shares 01,02,03	0.05%	-	0.05%
Last Updated 09/22/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 11.20%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

United Credit Union Tyler, TX’s Texas Ratio rose from 3.57% in Q2 2023 to 11.20% 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 4.9 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
March 31, 2026	$30M	11.20%	4.9	A-
December 31, 2025	$30M	9.30%	5.0	A
September 30, 2025	$29M	8.47%	5.0	A
June 30, 2025	$29M	5.45%	5.0	A+
March 31, 2025	$28M	3.84%	5.0	A+
December 31, 2024	$28M	13.98%	5.0	A
September 30, 2024	$28M	10.46%	5.0	A
June 30, 2024	$27M	4.18%	5.0	A+
March 31, 2024	$28M	0.86%	5.0	A+
December 31, 2023	$30M	1.65%	5.0	A+
September 30, 2023	$30M	9.82%	5.0	A
June 30, 2023	$30M	3.57%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Credit Union Tyler, TX is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Credit Union Tyler, TX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Credit Union Tyler, TX's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Credit Union Tyler, TX

Website https://www.unitedcu.coop/

Address 4901 Old Jacksonville Hwy, Tyler, TX 75703-3373

Phone 903-595-3604

Fax 903-535-9850

President George Creel

CEO Sherri McElyea

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

11.20%

Return on Assets (ROA)

0.1700%

Return on Equity (ROE)

2.4820%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

29,993,863

Total Amount of Shares and Deposits

27,656,795

Total Shares and Deposits < 1 Year

27,120,410

Total Shares and Deposits 1 3 Years

536,384

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

13,261

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

13,261

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

27,643,534

Total Interest Expense (Sum of items 6 8)

96,364

Share Certificates

120

Number of Accounts for Share Drafts

863

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,135

All other shares

133

Non Member Deposits

Money Market Shares

123

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

9,717

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,128,460

Total Liabilities

28,175,066

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United Credit Union Tyler, TX earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About United Credit Union Tyler, TX

How many branches does United Credit Union Tyler, TX operate?

United Credit Union Tyler, TX currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Credit Union Tyler, TX?

Yes, to access services at United Credit Union Tyler, TX, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Credit Union Tyler, TX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Credit Union Tyler, TX provides members with tools to manage their accounts and build a solid financial history.

Does United Credit Union Tyler, TX offer online and mobile banking?

Most modern institutions like United Credit Union Tyler, TX 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.unitedcu.coop/.