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Advertiser Disclosure
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 United Local Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
United Local Credit Union's 24 Month CD of Deposits - Standard & IRA Available rates are at 0.60%, 24 Month CD of Deposits - Standard & IRA Available rates are at 0.55%, 18 Month CD of Deposits - Standard & IRA Available rates are at 0.50%, 18 Month CD of Deposits - Standard & IRA Available rates are at 0.45%, 24 Month CD of Deposits - Standard & IRA Available rates are at 0.40%. United Local Credit Union's savings rates are at 0.03%. United Local Credit Union's money market rates are at 0.10%. United Local Credit Union's Personal Loan Rates are as low as 9.99%. United Local Credit Union's Credit Card Rates are at 10.99%. 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 1.14%. Rates last updated and verified on 09/21/2026. 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. United Local Credit Union
United Local Credit Union 3650 E Ashlan Ave
https://www.unitedlocal.org Fresno, CA 93726 
United Local Credit Union CD Rates
United Local Credit Union Savings Rates
United Local Credit Union Money Market Rates
United Local Credit Union Auto Loan Rates
United Local Credit Union RV, Boat and Powersport Loan Rates
United Local Credit Union Credit Card Rates
United Local Credit Union Personal Loan Rates
United Local Credit Union Other Rates
Financial Health HistoryUnited Local Credit Union’s Texas Ratio stayed near 1.19% in Q2 2023 to 1.14% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.14%
Return on Assets (ROA)
-0.0785%
Return on Equity (ROE)
-0.3967%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
121,096,114
Total Amount of Shares and Deposits
96,434,246
Total Shares and Deposits < 1 Year
92,761,404
Total Shares and Deposits 1 3 Years
3,672,841
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,055,960
Total Uninsured Shares and Deposits > $250K (F+J)
10,055,960
Total Insured Shares and Deposits > $250K (item 17 less item K)
86,378,286
Total Interest Expense (Sum of items 6 8)
146,109
Share Certificates
282
Number of Accounts for Share Drafts
3,347
IRA KEOGH Accounts
199
Number of Accounts for Regular Shares
8,292
Money Market Shares
90
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)
13,834,039
Total Liabilities
97,388,780
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for United Local Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About United Local Credit UnionHow 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. Current United Local Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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