What are the current interest rates at United Energy Credit Union?

Current rates for United Energy Credit Union include: 12-Month CD: 3.46%

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United Energy Credit Union

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United Energy Credit Union Rates & Review October 2026

Q: Is a member application needed to join United Energy Credit Union?

Yes, to access services at United Energy 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Energy 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 10, 2026

United Energy Credit Union's top rates as of October 10, 2026 are 3.46% APY on its 1 Year Large CD Accounts, personal loans from 9.25% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other United Energy Credit Union CD rates include 6 month Large CD Accounts at 2.92%, and 6 month Small CD Accounts at 1.82%. MonitorBankRates evaluates the financial stability of United Energy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.33%. Rates last updated and verified on 10/10/2026.

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

2.33%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Energy Credit Union
United Energy Credit Union

8790 FM 1960 Bypass Rd W Ste 500A
Humble, TX 77338-3950

https://www.unitedenergycu.com

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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.

United Energy Credit Union CD Rates

Product	Rate	APY	Term
1 Year Large Term Share Accounts	3.40%	3.458%	1 Year
Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
6 month Large Term Share Accounts	2.90%	2.921%	6 Months
Min Balance $10,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.74% → 2.92% ▲ 0.18 pts · high 2.92% / low 2.74% Oct 10, 20262.92%▲ from 2.84% Oct 1, 20262.84%▲ from 2.74% Sep 14, 20262.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
6 month Small Term Share Accounts	1.80%	1.816%	6 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%

United Energy Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto (up to 5 years old)	-	-	3.99%	60 Months
Details 80% Financing MSRP or NADA Retail (20% down) Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New/Used Auto (up to 5 years old)	-	-	4.74%	60 Months
Details 90% Financing MSRP or NADA Retail (10% down) Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	5.24%	72 Months
Details $25,000; 80% Financing MSRP or NADA Retail (20% down) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New/Used Auto (up to 5 years old)	-	-	5.24%	60 Months
Details 100% Financing MSRP or NADA Retail Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	5.74%	72 Months
Details $25,000; 90% Financing MSRP or NADA Retail (10% down) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	5.99%	84 Months
Details $50,000; 80% Financing MSRP or NADA Retail (20% down) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	6.24%	72 Months
Details $25,000; 100% Financing MSRP or NADA Retail Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
Older Auto (6+ years)	-	-	6.24%	60 Months
Details 80% Financing MSRP or NADA Retail (20% down) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	6.49%	84 Months
Details $50,000; 90% Financing MSRP or NADA Retail (10% down) Last Updated 10/10/2026 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: 2.33%
Older Auto (6+ years)	-	-	6.49%	60 Months
Details 90% Financing MSRP or NADA Retail (10% down) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
Older Auto (6+ years)	-	-	6.74%	60 Months
Details 100% Financing MSRP or NADA Retail Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
New Auto	-	-	6.99%	84 Months
Details $50,000; 100% Financing MSRP or NADA Retail Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%

United Energy Credit Union Credit Card Rates

Product	Rate	APR	View More
First Time Borrower MasterCard	-	12.00%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%

United Energy Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.25%	60 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%

United Energy Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
90 Day Loan	-	-	9.25%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
Line of Credit	-	-	9.25%	Revolving
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
R/V LOANS - New/Used	-	-	4.49%	60 Months
Details 80% Financing MSRP or NADA Retail (20% down) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
R/V LOANS - New/Used	-	-	5.49%	60 Months
Details 90% Financing MSRP or NADA Retail (10% down) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
R/V LOANS - New/Used	-	-	6.49%	60 Months
Details 100% Financing MSRP or NADA Retail Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
Individual Retirement Account	1.25%	-	1.255%	3 Months
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%
Share Pass Book	0.10%	-	0.10%	3 Months
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.33%

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 Energy Credit Union’s Texas Ratio stayed near 1.85% in Q3 2023 to 2.33% 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	$30M	2.33%	5.0	A+
March 31, 2026	$30M	2.54%	5.0	A+
December 31, 2025	$28M	2.16%	5.0	A+
September 30, 2025	$28M	2.61%	5.0	A+
June 30, 2025	$27M	3.86%	5.0	A+
March 31, 2025	$29M	2.57%	5.0	A+
December 31, 2024	$27M	2.54%	5.0	A+
September 30, 2024	$29M	4.22%	5.0	A+
June 30, 2024	$29M	3.77%	5.0	A+
March 31, 2024	$29M	3.22%	5.0	A+
December 31, 2023	$29M	2.43%	5.0	A+
September 30, 2023	$29M	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 United Energy 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 United Energy 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 United Energy Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Energy Credit Union

Website https://www.unitedenergycu.com

Address 8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX 77338-3950

Phone 281-964-1777

Fax 281-964-1720

President Lynette Sealy

CEO Debbie Hendrix

Full-Time Employees 7

Part-Time Employees 4

Branch Locations 2

ATM Locations 0

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

2.33%

Return on Assets (ROA)

0.1513%

Return on Equity (ROE)

0.9196%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

29,994,268

Total Amount of Shares and Deposits

24,570,031

Total Shares and Deposits < 1 Year

24,570,029

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

4,682,213

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

4,682,213

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

19,887,818

Total Interest Expense (Sum of items 6 8)

83,510

Share Certificates

Number of Accounts for Share Drafts

1,407

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,238

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

45,395

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)

188,182

Total Liabilities

25,057,992

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United Energy 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About United Energy Credit Union

How many branches does United Energy Credit Union operate?

United Energy 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 United Energy Credit Union?

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

Does United Energy Credit Union offer online and mobile banking?

Most modern institutions like United Energy 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.unitedenergycu.com.