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United Local Credit Union

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United Local Credit Union Rates & Review April 2026

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

Yes, to access services at United Local 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 Local 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: April 23, 2026

You can compare United Local Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.53%, 6-month share certificate rates at 0.45% and 3-month share certificate rates at 3.25%. Savings rates are at 0.50% and money market rates are at 3.50%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates can be compared to United Local Credit Union rates. MonitorBankRates evaluates the financial stability of United Local Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.73%

Excellent Lower than avg

United Local Credit Union
United Local Credit Union

3650 E Ashlan Ave
Fresno, CA 93726

https://www.unitedlocal.org

Current Rate Availability

We do not have United Local Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Local 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 Local 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 Local Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Local Credit Union

Website https://www.unitedlocal.org

Address 3650 E Ashlan Ave, Fresno, CA 93726

Phone 559-227-8329

Fax 559-227-1824

President Jim Hazzelrigg

CEO Angelina Maldonado

Full-Time Employees 23

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.73%

Return on Assets (ROA)

0.4367%

Return on Equity (ROE)

2.2001%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

120,643,126

Total Amount of Shares and Deposits

95,962,640

Total Shares and Deposits < 1 Year

94,371,782

Total Shares and Deposits 1 3 Years

1,590,858

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

9,573,438

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

9,573,438

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

86,389,202

Total Interest Expense (Sum of items 6 8)

435,122

Share Certificates

281

Number of Accounts for Share Drafts

3,403

IRA KEOGH Accounts

210

Number of Accounts for Regular Shares

8,544

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,212,421

Total Liabilities

96,954,929

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About United Local Credit Union

Is United Local Credit Union a safe place to deposit money?

Yes, United Local Credit Union is considered a safe financial institution. With a Texas Ratio of 0.7261473600165%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does United Local Credit Union operate?

United Local 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 Local Credit Union?

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

Does United Local Credit Union offer online and mobile banking?

Most modern institutions like United Local 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.unitedlocal.org.