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

Current rates for United Local Credit Union include: 12-Month CD: 0.20%, 18-Month CD: 0.30%, 24-Month CD: 0.40%, Savings: 0.00%, MMA: 0.10%

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United Local Credit Union

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United Local Credit Union Rates & Review July 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: July 16, 2026

United Local Credit Union's 24 Month CD of Deposit rates are at 0.60%, 24 Month CD of Deposit rates are at 0.55%, 18 Month CD of Deposit rates are at 0.50%, 18 Month CD of Deposit rates are at 0.45%, 24 Month CD of Deposit rates are at 0.40%. United Local Credit Union's savings rates are at 0.00%. United Local Credit Union's money market rates are at 0.10%. 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 0.70%. Rates were last updated on 07/16/2026.

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.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.70%

Excellent Lower than avg

United Local Credit Union
United Local Credit Union

3650 E Ashlan Ave
Fresno, CA 93726

https://www.unitedlocal.org

United Local Credit Union CD Rates

Product	Rate	APY	Term
24 Month Certificate of Deposit	-	0.60%	24 Month
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
24 Month Certificate of Deposit	-	0.55%	24 Month
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
18 Month Certificate of Deposit	-	0.50%	18 Month
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
18 Month Certificate of Deposit	-	0.45%	18 Month
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
24 Month Certificate of Deposit	-	0.40%	24 Month
Min Balance $2,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 Month Certificate of Deposit	-	0.30%	12 Month
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
18 Month Certificate of Deposit	-	0.30%	18 Month
Min Balance $2,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 Month Certificate of Deposit	-	0.25%	12 Month
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 Month Certificate of Deposit	-	0.20%	12 Month
Min Balance $2,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 Month Certificate of Deposit	-	0.20%	6 Month
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 Month Certificate of Deposit	-	0.15%	6 Month
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 Month Certificate of Deposit	-	0.10%	6 Month
Min Balance $2,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

United Local Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	0.39%
Min Balance $10,000 Details Dividend calculation is same as Primary Savings. *Refer to your IRA Agreement & Disclosures for additional details Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
IRA Savings	-	0.29%
Min Balance $1 Details Dividend calculation is same as Primary Savings. *Refer to your IRA Agreement & Disclosures for additional details Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Christmas Club Savings	-	0.25%
Details *Dividends paid annually on October 31st, calculated by daily balance method. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Primary & Secondary Savings	-	0.05%
Min Balance $5,000 Details Balances below $2,500 will not earn a dividend. $2,500.00 minimum required to open Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Primary & Secondary Savings	-	0.03%
Min Balance $2,000 Details Balances below $2,500 will not earn a dividend. $2,500.00 minimum required to open Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Primary & Secondary Savings	-	0.00%
Min Balance $1 Details Balances below $2,500 will not earn a dividend. $2,500.00 minimum required to open Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

United Local Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	0.10%
Min Balance $2,500 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

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.

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

0.70%

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

2026 MBR Health & Safety Badge

United Local Credit Union earned the Exceptional Health badge

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Frequently Asked Questions About United Local Credit Union

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.