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

Current rates for United Nations Federal Credit Union include: 12-Month CD: 3.15%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 60-Month CD: 4.00%, Savings: 1.35%

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United Nations Federal Credit Union

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United Nations Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Nations 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 Nations Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 60 Month Standard CD, 1.35% APY on savings, 1.75% APY on checking, personal loans from 8.45% APR, and credit cards from 16.74% APR, according to rates verified by MonitorBankRates. Other United Nations Federal Credit Union CD rates include 48 Month Standard CD at 3.75%, 36 Month Standard CD at 3.60%, and CDs - 30-month Flex Rate at 3.55%. MonitorBankRates evaluates the financial stability of United Nations Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.65%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Nations Federal Credit Union
UNFCU Headquarters

2401 44th Rd
Long Island City, NY 11101

https://www.unfcu.org

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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 Nations Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Standard Share Certificate	3.92%	4.00%	60-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 8, 20264.00%▲ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
48 Month Standard Share Certificate	3.68%	3.75%	48-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 12, 20263.75%▲ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
36 Month Standard Share Certificate	3.54%	3.60%	36-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 12, 20263.60%▲ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Share Certificates - 30-month Flex Rate	3.49%	3.55%	30-month
Details Flex Rate Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
24 Month Standard Share Certificate	3.44%	3.50%	24-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 12, 20263.50%▲ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Share Certificates - 24-month Simple Saver	3.44%	3.50%	24-month
Details Simple Saver Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Share Certificates - 11-month	3.30%	3.35%	11-month
Details Featured Term Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
18 Month Standard Share Certificate	3.20%	3.25%	18-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 12, 20263.25%▼ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
12 Month Standard Share Certificate	3.10%	3.15%	12-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 3.15% ▼ 0.20 pts · high 3.35% / low 3.15% Oct 12, 20263.15%▼ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Share Certificates - 12-month Impact	3.10%	3.15%	12-month
Details Impact Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
9 Month Standard Share Certificate	2.96%	3.00%	9-month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
7 Month Standard Share Certificate	2.86%	2.90%	7-month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
6 Month Standard Share Certificate	2.76%	2.80%	6-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 2.80% ▼ 0.55 pts · high 3.35% / low 2.80% Oct 12, 20262.80%▼ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
4 Month Standard Share Certificate	2.66%	2.70%	4-month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
3 Month Standard Share Certificate	2.57%	2.60%	3-month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.35% → 2.60% ▼ 0.75 pts · high 3.35% / low 2.60% Oct 12, 20262.60%▼ from 3.35% Sep 25, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	-	1.35%
Min Balance $0 Details Balance: $200,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
High-Yield Savings Account	-	1.05%
Min Balance $0 Details Balance: $50,000-$199,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.35% → 1.05% ▼ 0.30 pts · high 1.35% / low 1.05% Oct 12, 20261.05%▼ from 1.35% Sep 14, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
High-Yield Savings Account	-	0.75%
Min Balance $0 Details Balance: $25,000-$49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 12, 20260.75%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
High-Yield Savings Account	-	0.60%
Min Balance $0 Details Balance: $2,500-$24,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50% Oct 12, 20260.60%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
High-Yield Savings Account	-	0.50%
Min Balance $0 Details Balance: $0-$2,499 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
IRA savings	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Checking Rates

Product	Rate	APY
Checking Account	-	1.75%
Min Balance $0 Details Qualifications Required; Premium rate on up to $25,000 of checking account balance; Qualifying balance up to $25,000.00 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: 1.65%
Checking: Premium rate	1.73%	1.75%
Min Balance $0 Details Qualifications Required; Balance: $0-$25,000; Any checking balance over $25,000 earns the standard rate; Not available to organization or non-interest-bearing checking accounts Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Checking: Standard rate	0.05%	0.05%
Details Dividend rate 0.05%; APY 0.05% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	-	-	7.00%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Azure Credit Card	-	16.74%
Details Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 16.74%; Bonus: 10,000 bonus points when you spend $2,000 in the first four months (10,000 points = $100) Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49% Oct 12, 202616.74%▲ from 16.49% Sep 17, 202616.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.45%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Debt consolidation Loan	12.70%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 12.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

United Nations Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy efficient home improvement Loan	-	-	8.00%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Home renovation Loan	-	-	9.50%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
International home build Loan	-	-	10.00%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
International property Loan	-	-	10.00%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Line of credit - Fixed	-	-	13.75%
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Line of credit - Variable	-	-	13.50%
Details As Low As; Variable APR; Index: WSJ Prime; Margin: 6.75% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Featured Term	-	-	3.35%	11 months
Min Deposit $50,000 Details Requires $50,000 or more in qualifying new deposits Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Flex Rate	-	-	3.55%	30 months
Min Deposit $500 Details One-time rate increase available if the 30-month certificate rate increases Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.15% → 3.55% ▲ 1.40 pts · high 3.55% / low 2.15% Oct 8, 20263.55%▲ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Impact	-	-	3.15%	12 months
Min Deposit $500 Details Deposit used only to fund environmental and social impact projects Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Simple Saver	-	-	3.50%	24 months
Min Deposit $250 Details Open with as little as $250; Eligible for $25.00 bonus Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 3.50% ▲ 1.20 pts · high 3.50% / low 2.30% Oct 8, 20263.50%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

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 Nations Federal Credit Union’s Texas Ratio stayed near 1.23% in Q3 2023 to 1.65% 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	$10.7B	1.65%	5.0	A+
March 31, 2026	$10.5B	1.25%	5.0	A+
December 31, 2025	$10.3B	1.53%	5.0	A+
September 30, 2025	$10.1B	2.92%	5.0	A+
June 30, 2025	$10.0B	2.06%	5.0	A+
March 31, 2025	$9.9B	1.62%	5.0	A+
December 31, 2024	$9.7B	1.22%	5.0	A+
September 30, 2024	$9.6B	1.49%	5.0	A+
June 30, 2024	$9.4B	1.52%	5.0	A+
March 31, 2024	$9.1B	1.45%	5.0	A+
December 31, 2023	$8.9B	1.38%	5.0	A+
September 30, 2023	$8.6B	1.23%	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 Nations 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 Nations 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 Nations Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Nations Federal Credit Union

Website https://www.unfcu.org

Address 2401 44th Rd, Long Island City, NY 11101

Phone 347-686-6660

Fax

President Adeyinka Okuwoga

CEO Pamela Agnone

Full-Time Employees 819

Part-Time Employees 0

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.65%

Return on Assets (ROA)

0.6813%

Return on Equity (ROE)

6.9633%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

10,694,664,155

Total Amount of Shares and Deposits

9,595,139,982

Total Shares and Deposits < 1 Year

9,169,592,688

Total Shares and Deposits 1 3 Years

392,680,191

Total Shares and Deposits > 3 Years

32,867,103

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

1,488,874,757

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

1,488,874,757

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

8,106,265,225

Total Interest Expense (Sum of items 6 8)

63,467,653

Share Certificates

66,586

Number of Accounts for Share Drafts

218,083

IRA KEOGH Accounts

620

Number of Accounts for Regular Shares

265,302

All other shares

10,203

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)

371,933,157

Total Liabilities

9,662,622,720

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United Nations 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.

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Frequently Asked Questions About United Nations Federal Credit Union

How many branches does United Nations Federal Credit Union operate?

United Nations 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 Nations Federal Credit Union?

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

Does United Nations Federal Credit Union offer online and mobile banking?

Most modern institutions like United Nations 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.unfcu.org.