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iAdvertiser Disclosure
Advertiser Disclosure
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 United Poles Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 5, 2026
United Poles Federal Credit Union's 6 month CD rates are at 3.76%, 1 Year CD rates are at 3.66%, 12 month Platinum CD rates are at 3.66%, 9 month Platinum CD rates are at 3.66%, 10 Year IRA CD of Deposit rates are at 3.65%. United Poles Federal Credit Union's savings rates are at 0.51%. United Poles Federal Credit Union's money market rates are at 0.05%. United Poles Federal Credit Union's Personal Loan Rates are at 9.99%. United Poles Federal Credit Union's Credit Card Rates are at 5.24%. MonitorBankRates evaluates the financial stability of United Poles Federal Credit Union with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 26.86%. Rates were last updated on 04/05/2026. United Poles 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 Poles Federal Credit Union? Share your experience about United Poles Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Poles Federal Credit Union. United Poles Federal Credit Union
MAIN OFFICE 412 NEW BRUNSWICK AVE
https://www.unitedpolesfcu.com PERTH AMBOY, NJ 08861 
United Poles Federal Credit Union CD Rates
United Poles Federal Credit Union Savings Rates
United Poles Federal Credit Union Money Market Rates
United Poles Federal Credit Union Mortgage Rates
United Poles Federal Credit Union Home Equity & HELOC
United Poles Federal Credit Union Credit Card Rates
United Poles Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Poles 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 Poles 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 Poles Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Poles Federal Credit Union
Website
https://www.unitedpolesfcu.com
Address
412 NEW BRUNSWICK AVE,
PERTH AMBOY, NJ 08861
Phone
800-333-7713
Fax
732-442-1443
President
THOMAS KAZALSKI
CEO
IWONA KARPETA
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.8 / 5.0 ★
Overall Health & Safety Grade
C (74/100)
Texas Ratio
26.86%
Return on Assets (ROA)
0.3033%
Return on Equity (ROE)
4.4961%
Non-Performing Loans Ratio (NPL)
2.19%
Total Assets
69,831,889
Total Amount of Shares and Deposits
63,627,109
Total Shares and Deposits < 1 Year
56,244,289
Total Shares and Deposits 1 3 Years
6,217,907
Total Shares and Deposits > 3 Years
1,164,913
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,951,406
Total Uninsured Shares and Deposits > $250K (F+J)
4,951,406
Total Insured Shares and Deposits > $250K (item 17 less item K)
58,675,703
Total Interest Expense (Sum of items 6 8)
928,227
Share Certificates
355
Number of Accounts for Share Drafts
913
IRA KEOGH Accounts
166
Number of Accounts for Regular Shares
2,588
Non Member Deposits
4,195
Money Market Shares
21
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
253,731
Total Liabilities
65,131,979
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About United Poles Federal Credit UnionIs United Poles Federal Credit Union a safe place to deposit money?Yes, United Poles Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 26.864905509133%, the institution's financial health is rated as stable. 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 Poles Federal Credit Union operate?United Poles 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 Poles Federal Credit Union?Yes, to access services at United Poles 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 Poles 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 Poles Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Poles Federal Credit Union offer online and mobile banking?Most modern institutions like United Poles 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.unitedpolesfcu.com. Current United Poles Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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