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

Current rates for United Federal Credit Union include: 12-Month CD: 1.60%, 18-Month CD: 1.65%, 24-Month CD: 1.85%, 60-Month CD: 2.10%, Savings: 1.00%, MMA: 4.00%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
United Federal Credit Union

iAdvertiser Disclosure

United Federal Credit Union Rates & Review October 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: October 12, 2026

United Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 21 Month CD Special, 1.00% APY on savings, 4.00% APY on money market accounts, 5.00% APY on checking, rv, boat and powersport loans from 5.75% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other United Federal Credit Union CD rates include 7 Month CD Special at 4.00%, Share and IRA CDs - 21 Month Special at 4.00%, and Share and IRA CDs - 7 Month Special at 4.00%. 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 4.11%. Rates last updated and verified on 10/12/2026.

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 Q2 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

4.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Federal Credit Union
Team United HQ - Hilltop

150 Hilltop Rd
Saint Joseph, MI 49085-2381

https://www.unitedfcu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

United Federal Credit Union CD Rates

Product	Rate	APY	Term
21 Month Certificate Special	3.941%	4.00%	21 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
7 Month Certificate Special	3.941%	4.00%	7 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 21 Month Special	3.941%	4.00%	21 Month
Details APY with Bonus Rate: 4.10% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 7 Month Special	3.941%	4.00%	7 Month
Details APY with Bonus Rate: 4.10% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
60 Month Certificate	2.084%	2.10%	60 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 60 month	2.084%	2.10%	60 Months
Details APY with Bonus Rate: 2.20% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 Month Certificate	2.034%	2.05%	48 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 48 month	2.034%	2.05%	48 Months
Details APY with Bonus Rate: 2.15% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month Bump Up Certificate	1.985%	2.00%	36 Month
Min Balance $500 Details Balance: $500 - $1,000,000; Effective Date: October 01, 2026; APY with Bonus Rate: 2.10% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month Certificate	1.985%	2.00%	36 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 36 month	1.985%	2.00%	36 Months
Details APY with Bonus Rate: 2.10% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 Month Certificate	1.837%	1.85%	24 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85% Oct 12, 20261.85%▼ from 1.95% Sep 12, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 24 month	1.837%	1.85%	24 Months
Details APY with Bonus Rate: 1.95% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 Month Certificate	1.64%	1.65%	18 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60% Oct 12, 20261.65%▲ from 1.60% Sep 12, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 18 month	1.64%	1.65%	18 Months
Details APY with Bonus Rate: 1.75% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 Month Certificate	1.59%	1.60%	12 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.55% → 1.60% ▲ 0.05 pts · high 1.60% / low 1.55% Oct 12, 20261.60%▲ from 1.55% Sep 12, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 Month Liquid Certificate	1.59%	1.60%	12 Month
Min Balance $2,500 Details Maximum amount $250,000; APY with Bonus Rate: 1.70%; Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Effective Date: October 01, 2026; Penalty may be charged for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 12 month	1.59%	1.60%	12 Months
Details APY with Bonus Rate: 1.70% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 Month Certificate	1.541%	1.55%	6 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50% Oct 12, 20261.55%▲ from 1.50% Sep 12, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 6 month	1.541%	1.55%	6 Months
Details APY with Bonus Rate: 1.65% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 Month Certificate	1.492%	1.50%	3 months
Min Balance $500 Details Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 12, 20261.50%▲ from 1.25% Sep 12, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share and IRA Certificates - 3 month	1.492%	1.50%	3 Months
Details APY with Bonus Rate: 1.60% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.995%	1.00%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 minimum tier; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required; Rates may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.747%	0.75%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 minimum tier; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required; Rates may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.499%	0.50%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 minimum tier; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required; Rates may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: $0 minimum tier; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required; Rates may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Achiever Savings	0.10%	0.10%
Details Share Savings Account; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Holiday Club	0.05%	0.05%
Details Share Savings Account; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Membership Savings	0.05%	0.05%
Details Share Savings Account; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Youth Savings	0.05%	0.05%
Details Share Savings Account; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	3.928%	4.00%
Min Deposit $15,000 Min Balance $0 Details Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	-	3.50%
Min Balance $250,000 Details Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.00% → 3.50% ▲ 2.50 pts · high 3.50% / low 1.00% Oct 12, 20263.50%▲ from 1.00% Sep 12, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	-	3.25%
Min Balance $100,000 Details Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.75% → 3.25% ▲ 2.50 pts · high 3.25% / low 0.75% Oct 12, 20263.25%▲ from 0.75% Sep 12, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	-	3.00%
Min Balance $1,000 Details Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.50% → 3.00% ▲ 2.50 pts · high 3.00% / low 0.50% Oct 12, 20263.00%▲ from 0.50% Sep 12, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.995%	1.00%
Min Balance $250,000 Details Balance: $250,000 tier; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Special	0.896%	0.90%
Min Deposit $15,000 Min Balance $100,000 Details Balance: $100,000.01 and over; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.747%	0.75%
Min Balance $100,000 Details Balance: $100,000 tier; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Elevate Money Market	0.499%	0.50%
Min Balance $1,000 Details Balance: $1,000 tier; Effective Date: October 01, 2026; Consumer money market accounts only Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Bonus Builder Money Market	-	0.40%
Min Balance $1,000 Details Balance: Minimum Amount $1,000; APY with Bonus Rate; Bonus rate of 0.25% APY when the Tax Reported Owner has an Ultra Checking or Free Checking account with an average monthly balance of at least $1.00; Effective Date: October 01, 2026; Consumer accounts only Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.15% → 0.40% ▲ 0.25 pts · high 0.40% / low 0.15% Oct 8, 20260.40%▲ from 0.15% Sep 12, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.30%	0.30%
Min Balance $250,000 Details Effective Date: October 01, 2026; Minimum Amount: $250,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.20%	0.20%
Min Balance $100,000 Details Effective Date: October 01, 2026; Minimum Amount: $100,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Bonus Builder Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: Minimum Amount $1,000; Effective Date: October 01, 2026; APY accurate as of the last dividend declaration date; Consumer accounts only Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
IRA Money Market	0.10%	0.10%
Min Balance $1,000 Details Effective Date: October 01, 2026; Minimum Amount: $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Checking Rates

Product	Rate	APY
Ultra Checking	4.891%	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying TOTAL Rate with Bonus APY monthly requirements met; Minimum deposit required to open account is $50.00; Fees could reduce the earnings on the account; One account per Member Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95% Oct 2, 20265.00%▲ from 4.95% Sep 12, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
21 Month Special - Ultra Checking Bonus	-	4.10%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
7 Month Special - Ultra Checking Bonus	-	4.10%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
60 month - Ultra Checking Bonus	-	2.20%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 month - Ultra Checking Bonus	-	2.15%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 month - Ultra Checking Bonus	-	2.10%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 month - Ultra Checking Bonus	-	1.95%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 month - Ultra Checking Bonus	-	1.75%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 month - Ultra Checking Bonus	-	1.70%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 month - Ultra Checking Bonus	-	1.65%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 month - Ultra Checking Bonus	-	1.60%
Min Balance $500 Details Qualifications Required; Bonus rate of 0.10% APY; Effective Date: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Closed End, Fixed Rate Loan - 180 Months	-	-	6.55%	180 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; 0.25% discount with automatic payment from a United checking account Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Oct 8, 20266.55%▲ from 6.30% Sep 12, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Closed End, Fixed Rate Loan - 120 Months	-	-	6.75%	120 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; 0.25% discount with automatic payment from a United checking account Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 8, 20266.75%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Closed End, Fixed Rate Loan - 60 Months	-	-	6.95%	60 Months
Details As Low As; Loan-to-Value: 80% or Less; Loans over 80% of home value incur a 2.25% APR premium; 0.25% discount with automatic payment from a United checking account Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.70% → 6.95% ▲ 0.25 pts · high 6.95% / low 6.70% Oct 8, 20266.95%▲ from 6.70% Sep 12, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details $25,000 and above; As Low As; Loan-to-Value: 80% or Less; Loan Amount: $25,000 and above; Variable rate, maximum 18.00% APR; Property insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 17, 20267.25%▲ from 7.00% Sep 12, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Interest Only Home Equity Line of Credit	-	-	7.50%
Details As Low As; Loan Amount: $25,000 and above; Loan-to-Value: 80% or Less; Effective Date: October 02, 2026; Rates vary between 7.50% APR and 18.00% APR based on CLTV, line amount and credit score; Loans over 80% of home value incur a 1.00% APR premium; Includes 0.25% discount with automatic payment from a United checking account; Variable periodic rate; Minimum monthly payment 1.5% of loan balance or $100, whichever is greater; Property insurance required; Not available in Alaska, Hawaii or Texas Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Line of Credit (HELOC)	-	-	7.75%
Details $25,000; As Low As; Loan-to-Value: 80% or Less; Loan Amount: Less than $25,000; Variable rate, maximum 18.00% APR; Property insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 17, 20267.75%▲ from 7.50% Sep 12, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Interest Only Home Equity Line of Credit	-	-	8.00%
Details As Low As; Loan Amount: Less than $25,000; Loan-to-Value: 80% or Less; Effective Date: October 02, 2026; Rates vary between 7.50% APR and 18.00% APR based on CLTV, line amount and credit score; Loans over 80% of home value incur a 1.00% APR premium; Includes 0.25% discount with automatic payment from a United checking account; Variable periodic rate; Minimum monthly payment 1.5% of loan balance or $100, whichever is greater; Property insurance required; Not available in Alaska, Hawaii or Texas Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Visa U First	-	-	11.49%
Details Intro APR: 0.00%; As Low As; Intro rate expires: 6 months; Regular APR: 11.49%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Sep 17, 202611.49%▲ from 11.24% Sep 12, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Visa U Rewards	-	-	18.00%
Details Intro APR: 0.00%; As Low As; Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Fixed Rate New & Used Auto Loans	-	-	2.99%	Up to 36 Months
Details As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years** Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 2.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	4.85%	Up to 48 Months
Details As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years** Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80% Oct 2, 20264.85%▲ from 3.80% Sep 17, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	5.00%	Up to 60 Months
Details As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years** Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05% Oct 2, 20265.00%▲ from 4.05% Sep 17, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	5.25%	Up to 72 Months
Details As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer** Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 4.55% → 5.25% ▲ 0.70 pts · high 5.50% / low 4.55% Oct 4, 20265.25%▼ from 5.50% Oct 2, 20265.50%▲ from 4.55% Sep 17, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans	-	-	6.00%	Up to 84 Months
Details As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2022 or Newer Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 17, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Other Vehicle Loans	-	-	11.39%
Details As Low As; Effective Date: October 02, 2026; Minimum Amount: $1,000; Base APR as high as 11.39% (17.00% in Arkansas and Oklahoma); includes 0.50% discount for 80% Loan to Value and 0.25% discount for automatic payment from a United checking account Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 11.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.75%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 4.80% → 5.75% ▲ 0.95 pts · high 5.85% / low 4.80% Oct 4, 20265.75%▼ from 5.85% Oct 2, 20265.85%▲ from 4.80% Sep 25, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.00%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 25, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.45%	180 months
Details As Low As; Amount: $40,000+; Effective Date: October 02, 2026; Rates include 0.50% discount for 80% LTV and 0.25% discount for automatic payment from a United checking account Last Updated 10/12/2026 Rate History 3 changes since Sep 12, 2026 · 5.45% → 6.45% ▲ 1.00 pts · high 6.45% / low 5.45% Oct 2, 20266.45%▲ from 5.45% Sep 25, 20265.45%▼ from 6.25% Sep 18, 20266.25%▲ from 5.45% Sep 12, 20265.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.50%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.55% → 6.50% ▲ 0.95 pts · high 6.50% / low 5.55% Oct 2, 20266.50%▲ from 5.55% Sep 25, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.70%	144 months
Details As Low As; Amount: $20,000 to $39,999; Effective Date: October 02, 2026; Rates include 0.50% discount for 80% LTV and 0.25% discount for automatic payment from a United checking account Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.70% ▲ 0.20 pts · high 6.70% / low 6.50% Oct 2, 20266.70%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans	-	6.95%	84 months
Details As Low As; Amount: $0 to $19,999; Effective Date: October 02, 2026; Rates include 0.50% discount for 80% LTV and 0.25% discount for automatic payment from a United checking account Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 6.95% ▲ 0.20 pts · high 6.95% / low 6.75% Oct 2, 20266.95%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	7.00%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.05% → 7.00% ▲ 0.95 pts · high 7.00% / low 6.05% Oct 2, 20267.00%▲ from 6.05% Sep 25, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Credit Card Rates

Product	Rate	APR
Home Equity Visa U First	-	11.49%
Details Intro APR: 0.00%; As Low As; Intro rate expires: 6 months; Regular APR: 11.49%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Sep 17, 202611.49%▲ from 11.24% Sep 12, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U First Visa Credit Card	-	11.49%
Details Published APR range: 11.49%-18.00%. As Low As; Intro rate expires: 6 months; Regular APR: 11.49%-18.00%; Card Limit $500 - $50,000; Credit Level Good; Introductory 0% APR applies to purchases and balance transfers (new U First cards only); after introductory period balance transfer rates between 9.49% - 16.00% APR; Cash Advance Rate 11.49%-18.00% APR; Additional Benefit: 2% less than purchasing rate on balance transfers Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Sep 17, 202611.49%▲ from 11.24% Sep 12, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Visa U Rewards	-	18.00%
Details Intro APR: 0.00%; As Low As; Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Minimum Payment: 2% of Balance or $20, whichever is greater Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U Boost Visa Credit Card	-	18.00%
Details Regular APR: 18.00%; Card Limit $200 - $5,000; Credit Level Poor / No Credit; Secure line of credit; Cash Advance Rate 18.00%; Balance Transfer Rate 18.00% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U Rewards Visa Signature Credit Card	-	18.00%
Details Published APR range: 18.00%-18.00%. Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Introductory Bonus: Earn $100 cash rewards after $3,000 in purchases within 90 days; Card Limit $500 - $50,000; Credit Level Outstanding; Up to 1.5% cash rewards; Introductory 0% APR applies to purchases and balance transfers (new U Rewards cards only); Cash Advance Rate 18.00%-18.00% APR Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Personal Loan Rates

Product	APR	Term
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	5.75%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 4.80% → 5.75% ▲ 0.95 pts · high 5.85% / low 4.80% Oct 4, 20265.75%▼ from 5.85% Oct 2, 20265.85%▲ from 4.80% Sep 25, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	6.00%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05% Oct 2, 20266.00%▲ from 5.05% Sep 25, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	6.50%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.55% → 6.50% ▲ 0.95 pts · high 6.50% / low 5.55% Oct 2, 20266.50%▲ from 5.55% Sep 25, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	7.00%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer; Rates include 0.50% LTV discount (80% LTV) and 0.25% automatic payment discount; 0.25% premium for model years 2021-2017, 0.75% for 2016 and older Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.05% → 7.00% ▲ 0.95 pts · high 7.00% / low 6.05% Oct 2, 20267.00%▲ from 6.05% Sep 25, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Fixed Rate Signature	13.24%	Up to 60 Months
Details As Low As; Unsecured Loan; Rate includes 0.25% rate discount for automatic payment from a United checking account with a positive balance Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Sep 17, 202613.24%▲ from 12.99% Sep 12, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
U Rewards Visa Signature Credit Card	18.00%
Details Published APR range: 18.00%-18.00%. Intro rate expires: 12 months; Regular APR: 18.00%-18.00%; Introductory Bonus: Earn $100 cash rewards after $3,000 in purchases within 90 days; Card Limit $500 - $50,000; Credit Level Outstanding; Up to 1.5% cash rewards; Introductory 0% APR applies to purchases and balance transfers (new U Rewards cards only); Cash Advance Rate 18.00%-18.00% APR Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

United Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
21 Month Special Share Certificate	-	-	4.00%	21 months
Min Balance $500 Details Qualifications Required: Ultra Checking account with average monthly balance of at least $1.00 (Tax Reported Owner); Bonus rate of 4.10% APY when paired with an Ultra Checking account; base rate 4.00% APY if requirements are not met; Renews to 12 month standard certificate at maturity; IRA eligible Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 4.10% → 4.00% ▼ 0.10 pts · high 4.10% / low 4.00% Oct 12, 20264.00%▼ from 4.10% Oct 2, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
7 Month Special Share Certificate	-	-	4.00%	7 months
Min Balance $500 Details Qualifications Required: Ultra Checking account with average monthly balance of at least $1.00 (Tax Reported Owner); Bonus rate of 4.10% APY when paired with an Ultra Checking account; base rate 4.00% APY if requirements are not met; Renews to 6 month standard certificate at maturity; IRA eligible Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 4.10% → 4.00% ▼ 0.10 pts · high 4.10% / low 4.00% Oct 12, 20264.00%▼ from 4.10% Oct 2, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Ultra Checking	-	-	5.00%
Min Deposit $50 Min Balance $0 Details Qualifying tier: Balance: $0.00 - $10,000.00; Qualifications Required; Bonus APY on balances up to $10,000.00 when monthly requirements are met; Share Certificate Rate Bonus additional 0.10% APY; Elevate Money Market Rate Bonus additional 2.50% APY; Consumer Loan Discount additional 0.25% APY; ATM Fee Refund up to $10 per month; Early Pay included; Minimum opening balance of $50 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95% Oct 2, 20265.00%▲ from 4.95% Sep 12, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 Federal Credit Union’s Texas Ratio stayed near 3.64% in Q3 2023 to 4.11% 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	$4.4B	4.11%	5.0	A+
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+

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 150 Hilltop Rd, Saint Joseph, MI 49085-2381

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry O'Rourke

Full-Time Employees 662

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

4.11%

Return on Assets (ROA)

0.7514%

Return on Equity (ROE)

6.2930%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

4,432,382,368

Total Amount of Shares and Deposits

3,681,771,545

Total Shares and Deposits < 1 Year

3,641,852,590

Total Shares and Deposits 1 3 Years

35,840,048

Total Shares and Deposits > 3 Years

4,078,905

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

661,238,365

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

661,238,365

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

3,020,533,180

Total Interest Expense (Sum of items 6 8)

38,931,797

Share Certificates

21,436

Number of Accounts for Share Drafts

156,712

IRA KEOGH Accounts

3,918

Number of Accounts for Regular Shares

212,285

Money Market Shares

25,580

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

33,306,311

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)

165,812,828

Total Liabilities

3,943,857,694

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/united-federal-credit-union-rates-review-6288">
  <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 United Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for United Federal Credit Union

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.

Current United Federal Credit Union Rates

12-Month CD1.60%
18-Month CD1.65%
24-Month CD1.85%
60-Month CD2.10%
Savings1.00%
MMA4.00%

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

Compare to Other Credit Unions

United Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Federal Credit Union Texas Ratio

United Federal Credit Union Health Trend

United Federal Credit Union CD Rates

United Federal Credit Union Savings Rates

United Federal Credit Union Money Market Rates

United Federal Credit Union Checking Rates

United Federal Credit Union Home Equity & HELOC

United Federal Credit Union Auto Loan Rates

United Federal Credit Union RV, Boat and Powersport Loan Rates

United Federal Credit Union Credit Card Rates

United Federal Credit Union Personal Loan Rates

United Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Federal Credit Union

How many branches does United Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Federal Credit Union offer online and mobile banking?

Current United Federal Credit Union Rates

Compare to Other Credit Unions