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

Current rates for United Federal Credit Union include: 12-Month CD: 3.85%, MMA: 3.50%

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United Federal Credit Union

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United Federal Credit Union Rates & Review September 2026

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

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

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

United Federal Credit Union's 6 month CD Special rates are at 4.05%, 11 month CD Special rates are at 3.85%. United Federal Credit Union's money market rates are at 3.50%. United Federal Credit Union's 3/1 Adjustable Rate Mortgage Refinance Special rates are at 5.37%, Jumbo 3/1 ARM rates are at 5.50%, 30-Year Fixed rates are at 6.00%, Jumbo 30-Year Fixed rates are at 6.00%, ARM rates are at 6.88%. United Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 4.80%. United Federal Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Federal Credit Union
Allentown - Branch 52

4703 Hamilton Blvd
Allentown, PA 18103

https://www.unitedfcu.com

United Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month Share Certificate Special	-	4.05%	6 months
Details When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
11 month Share Certificate Special	-	3.85%	11 months
Details When paired with an Ultra Checking account, earn 3.85% APY for 11 months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	-	4.00%
Details For a limited time, open a Money Market Special account and enjoy up to 4.00% APY1 for the first six months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Elevate Money Market	-	3.50%
Details save more with rates up to 3.50% APY and still have flexible access to your money. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3/1 Adjustable Rate Mortgage Refinance Special	5.37%	-	5.48%	first 3 years
Details for the first 3 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Jumbo 3/1 ARM	5.50%	-	5.64%	360 months
Details Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment Example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at an initial rate of 5.50% and 5.64% APR results in an initial monthly principal and interest payment of $5,677.89 for the first 36 months. After the initial 3 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 03/01/2026, of 6.25% is in effect for the remaining 324 months and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
30-Year Fixed	6.00%	-	6.14%	360 months
Details Advertised rates shown based on a 780+ credit score, 25% down payment, and 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Jumbo 30-Year Fixed	6.00%	-	6.14%	360 months
Details Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
ARM	-	-	6.88%	360 months
Details Rates are variable and subject to change after 3 years and your payment may increase or decrease as rates change. Payment example, $250,000 financed for 360 months at a fixed rate of 6.875% APR equals a monthly payment of $1,642.32. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	4.99%	6 month intro
Details with an intro rate for 6-months as low as 4.99% APR Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity HELOC	-	-	4.99%	6 months
Details Intro rate for 6-months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Line of Credit (HELOC)	-	-	4.99%	6 Month
Details 6 Month Introductory Rate; This introductory APR applies only to new loans approved on or after 9/17/26 and is effective from the same date; The plan will convert to variable rate after the first 6 months; Your APR is then based on the Wall Street Journal prime rate and may adjust monthly; After the introductory period, the APR can range from 7.25% to 18.00% APR based on the current Wall Street Journal prime rate; Approval and rate may vary based on credit history, term and security offered; Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640; Minimum loan amount of $10,000 is required to apply; Maximum loan amount possible is $300,000 for credit scores 640 and above; Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing; Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period; Other restrictions may apply; Reimbursement of waived third-party fees required if closed within 24 months; Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice; It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Special	-	-	4.99%	6-month intro
Details then, as low as 7.25% APR with autopay from a United checking account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Interest Only Home Equity Line of Credit	-	-	4.99%	6 Month
Details Intro rate expires: 6 months; This introductory APR applies only to new loans approved on or after 9/17/26 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.50% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Closed End, Fixed Rate Loans	-	-	6.55%	180 Months
Details Loan Amount: 180 Months; Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Closed End, Fixed Rate Loans	-	-	6.75%	120 Months
Details Loan Amount: 120 Months; Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Closed End, Fixed Rate Loans	-	-	6.95%	60 Months
Details Loan Amount: 60 Months; Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details Loan Amount: $25,000 and above; Loan-to-Value: 80% or Less; APRs over 80% of home value will incur a 1.00% APR premium; Base rates vary by state, as low as 7.25% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score; Advertised rates include 0.25% discount with automatic payment from a United checking account; Account features a variable periodic rate, maximum of 18.00% APR; minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar; Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment; Property insurance required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Special	4.99%	-	7.25%	6 months
Details Intro rate for 6 months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Line of Credit (HELOC)	-	-	7.75%
Details Loan Amount: Less than $25,000; Loan-to-Value: 80% or Less; APRs over 80% of home value will incur a 1.00% APR premium; Base rates vary by state, as low as 7.25% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score; Advertised rates include 0.25% discount with automatic payment from a United checking account; Account features a variable periodic rate, maximum of 18.00% APR; minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar; Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment; Property insurance required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Visa U First	-	-	11.49%
Details Intro APR: 0.00%; Intro rate expires: 6 months; Regular APR: 11.49%-18.00% APR; Variable APR*; Rate offered determined by applicant's creditworthiness. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Visa U Rewards	-	-	18.00%
Details Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 18.00%-18.00% APR; Variable APR*; Rate offered determined by applicant's creditworthiness. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	2.99%	36 months
Details with autopay from a United checking account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used Auto Loans - Up to 60 Months	-	-	4.05%	Up to 60 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used Auto Loans - Up to 72 Months	-	-	4.55%	Up to 72 Months
Details Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used Auto Loans - Up to 84 Months	-	-	5.05%	Up to 84 Months
Details Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate Other Vehicle Loans	-	-	11.39%	60 months
Details As Low As; Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. APR = Annual Percentage Rate. The base APR available varies by state, as high as 11.39% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	4.80%	Up to 48 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.05%	Up to 60 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.55%	Up to 72 Months
Details Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.05%	Up to 84 Months
Details Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.25%	180 months
Details Amount: $40,000+; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a United checking account. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.50%	144 months
Details Amount: $20,000 to $39,999; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a United checking account. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.75%	84 months
Details Amount: $0 to $19,999; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a United checking account. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Credit Card Rates

Product	Rate	APR
Home Equity Visa U First	-	11.49%
Details Intro APR: 0.00%; Intro rate expires: 6 months; Regular APR: 11.49%-18.00% APR; Variable APR*; Rate offered determined by applicant's creditworthiness. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
U First Visa Credit Card	-	11.49%
Details Intro rate expires: 6 months; Regular APR: 11.49%-18.00% APR; Balance Transfer Rate: 9.49% - 16.00% APR Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity Visa U Rewards	-	18.00%
Details Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 18.00%-18.00% APR; Variable APR*; Rate offered determined by applicant's creditworthiness. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
U Boost Visa Credit Card	-	18.00%
Details Secure line of credit Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
U Rewards Visa Signature Credit Card	-	18.00%
Details Intro rate expires: 12 months; Regular APR: 18.00%-18.00% APR; Earn $100 cash rewards after $3,000 in purchases within 90 days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

United Federal Credit Union Personal Loan Rates

Product	APR	Term
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	4.80%	Up to 48 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	5.05%	Up to 60 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	5.55%	Up to 72 Months
Details Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	6.05%	Up to 84 Months
Details Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2016 and older. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed Rate Signature	13.24%	Up to 60 Months
Details Rate shown includes a 0.25% rate discount for automatic payment from a United checking account with a positive balance. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
U Rewards Visa Signature Credit Card	18.00%
Details Intro rate expires: 12 months; Regular APR: 18.00%-18.00% APR; Earn $100 cash rewards after $3,000 in purchases within 90 days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

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

United Federal Credit Union’s Texas Ratio fell from 4.08% in Q2 2023 to 3.23% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 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
March 31, 2026	$4.4B	3.23%	5.0	A+
December 31, 2025	$4.2B	5.10%	5.0	A+
September 30, 2025	$4.3B	3.13%	5.0	A+
June 30, 2025	$4.2B	2.34%	5.0	A+
March 31, 2025	$4.2B	2.67%	5.0	A+
December 31, 2024	$4.2B	3.63%	5.0	A+
September 30, 2024	$4.1B	4.03%	5.0	A+
June 30, 2024	$4.1B	3.79%	5.0	A+
March 31, 2024	$3.9B	3.53%	5.0	A+
December 31, 2023	$3.9B	4.53%	5.0	A+
September 30, 2023	$3.9B	3.64%	5.0	A+
June 30, 2023	$3.9B	4.08%	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 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name United Federal Credit Union

Website https://www.unitedfcu.com

Address 4703 Hamilton Blvd, Allentown, PA 18103

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry O'Rourke

Full-Time Employees 689

Part-Time Employees 10

Branch Locations 43

ATM Locations 40

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.23%

Return on Assets (ROA)

0.3824%

Return on Equity (ROE)

3.2844%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

4,404,925,638

Total Amount of Shares and Deposits

3,623,132,645

Total Shares and Deposits < 1 Year

3,589,559,234

Total Shares and Deposits 1 3 Years

28,531,057

Total Shares and Deposits > 3 Years

5,042,354

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

636,857,308

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

636,857,308

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

2,986,275,337

Total Interest Expense (Sum of items 6 8)

19,188,256

Share Certificates

22,403

Number of Accounts for Share Drafts

154,566

IRA KEOGH Accounts

3,973

Number of Accounts for Regular Shares

211,300

Money Market Shares

24,162

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

16,842,366

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)

311,002,093

Total Liabilities

3,929,406,090

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About United Federal Credit Union

How many branches does United Federal Credit Union operate?

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

Is a member application needed to join United Federal Credit Union?

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does United Federal Credit Union offer online and mobile banking?

Most modern institutions like United Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.unitedfcu.com.