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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Texas 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.
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 and Verified: September 22, 2026
United Texas Credit Union's 18 Month CDs rates are at 4.00%, 1 Year CDs rates are at 3.75%, 1 Year Junior CDs rates are at 3.75%, 6 Month CDs rates are at 3.75%, 9 Month CDs rates are at 3.75%. United Texas Credit Union's savings rates are at 0.15%. United Texas Credit Union's money market rates are at 0.40%. United Texas Credit Union's Balloon Term Mortgage rates are at 7.75%, Balloon Term Mortgage rates are at 7.88%, Balloon Term Mortgage rates are at 8.12%, Balloon Term Mortgage rates are at 8.25%, Balloon Term Mortgage rates are at 8.50%. United Texas Credit Union's Auto Loan Rates are as low as 4.70%. MonitorBankRates evaluates the financial stability of United Texas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.58%. Rates last updated and verified on 09/22/2026. United Texas 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 Texas Credit Union? Share your experience about United Texas Credit Union by leaving a review below, or read customer reviews before you decide to use United Texas Credit Union. United Texas Credit Union
United Texas Credit Union 5500 UTSA Blvd
https://www.utxcu.com San Antonio, TX 78249 
United Texas Credit Union CD Rates
United Texas Credit Union Savings Rates
United Texas Credit Union Money Market Rates
United Texas Credit Union Mortgage Rates
United Texas Credit Union Auto Loan Rates
United Texas Credit Union Other Rates
Financial Health HistoryUnited Texas Credit Union’s Texas Ratio rose from 3.42% in Q2 2023 to 5.58% in Q4 2025, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 Texas 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 Texas 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 Texas Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Texas Credit Union
Website
https://www.utxcu.com
Address
5500 UTSA Blvd,
San Antonio, TX 78249
Phone
210-561-4500
Fax
President
Bill Gregory
CEO
Kyle Ashley
Full-Time Employees
60
Part-Time Employees
10
Branch Locations
6
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.58%
Return on Assets (ROA)
0.5696%
Return on Equity (ROE)
5.9471%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
423,903,654
Total Amount of Shares and Deposits
386,297,012
Total Shares and Deposits < 1 Year
377,833,411
Total Shares and Deposits 1 3 Years
6,534,385
Total Shares and Deposits > 3 Years
1,929,216
Total Interest Expense (Sum of items 6 8)
7,614,694
Share Certificates
2,699
Number of Accounts for Share Drafts
9,280
IRA KEOGH Accounts
894
Number of Accounts for Regular Shares
20,751
All other shares
2,633
Money Market Shares
1,124
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)
18,505,787
Total Liabilities
390,904,866
Source: NCUA — Last Updated 12/31/2025
Customer Reviews
There are no reviews for United Texas Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for United Texas Credit Union
Frequently Asked Questions About United Texas Credit UnionHow many branches does United Texas Credit Union operate?United Texas 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 Texas Credit Union?Yes, to access services at United Texas 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 Texas 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 Texas Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Texas Credit Union offer online and mobile banking?Most modern institutions like United Texas 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.utxcu.com. Current United Texas Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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