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Unitus Community Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
Unitus Community Credit Union's 12 Mo CD - Regular, IRA, ESA rates are at 3.65%, Business 12 Mo CD - Regular, IRA, ESA rates are at 3.65%, 18 Mo CD - Regular, IRA, ESA rates are at 3.55%, Business 18 Mo CD - Regular, IRA, ESA rates are at 3.55%, 6 Mo CD - Regular, IRA, ESA rates are at 3.45%. Unitus Community Credit Union's savings rates are at 0.01%. Unitus Community Credit Union's money market rates are at 0.25%. Unitus Community Credit Union's Personal Loan Rates are as low as 6.99%. Unitus Community Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Unitus Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.83%. Rates last updated and verified on 09/22/2026.
Unitus Community 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 Unitus Community Credit Union? Share your experience about Unitus Community Credit Union by leaving a review below, or read customer reviews before you decide to use Unitus Community Credit Union.
Unitus Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Unitus Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.83%
ExcellentLower than avg
Unitus Community Credit Union Texas Ratio
Unitus Community Credit Union's Texas Ratio is 2.83%, which is considered excellent and is lower than the national average of 6.13%.
Unitus Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.73% to 2.83% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsBalance: $100,000 or more; APY Range*: 0.10% - 0.03%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Basic Business Savings Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Basic Business Savings Account
0.01%
0.01%
Min Balance$25,000
DetailsBalance: $25,000 or more
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account (Business)
3.93%
4.00%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
3.93%
4.00%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
3.93%
4.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - $2,499,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
3.93%
4.00%
Min Balance$2,500,000
DetailsBalance: $2,500,000 or more
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
2.96%
3.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
2.96%
3.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - $2,499,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
2.47%
2.50%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
2.47%
2.50%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
1.98%
2.00%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
1.98%
2.00%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
1.49%
1.50%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
1.49%
1.50%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Business)
1.00%
1.00%
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
1.00%
1.00%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
0.75%
0.75%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
0.50%
0.50%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Money Market Account (Personal)
0.25%
0.25%
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Checking Rates
Product
Rate
APY
View More
Personal Interest Checking
5.37%
5.50%
Min Balance$0
DetailsQualifications Required: Enroll in eStatements; Log into Digital Banking; Have at least 15 purchase-debit card transactions post to the account; Have a deposit (direct, ACH transfer, or other deposit) of at least $250; Balance: $0 - $14,999.99; Requirements met
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Rewards Checking
-
5.00%
Min Deposit$25
Details$.05 for every purchase over $5.00 and earn 5.00% APY on those funds
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Interest Checking
0.25%
0.25%
DetailsFull Balance; Requirements not met
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Interest Checking
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 or more
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Interest Checking
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Fixed Rate Segment for Home Equity Line of Credit - 80% Combined Loan to Value (CLTV) or Less
DetailsPublished APR range: 9.74% - 10.74%. Minimum Loan Amount: $60,000; Contact us for details regarding term availability.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Rewards Visa Card
-
11.49%
DetailsCredit Score: 740+; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Platinum Rewards Visa Card
-
13.49%
DetailsPublished APR range: 13.49% - 25.49%. APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points. Balance transfers do not earn Unitus Rewards Points. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Classic Credit Card
-
13.49%
DetailsCredit Score: 740+; After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
13.74%
DetailsCredit Score: 740+; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Platinum Rewards Visa Card
-
13.99%
DetailsCredit Score: 739-700; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Platinum Rewards Visa Card
-
14.49%
DetailsCredit Score: 699-660; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Platinum Rewards Visa Card
-
15.49%
DetailsCredit Score: 659-610; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Classic Credit Card
-
15.99%
DetailsCredit Score: 739-700; After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Classic Credit Card
-
16.49%
DetailsCredit Score: 699-660; After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
16.74%
DetailsCredit Score: 739-700; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Platinum Rewards Visa Card
-
16.99%
DetailsCredit Score: 609-560; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Classic Credit Card
-
17.49%
DetailsCredit Score: 659-610; After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Classic Credit Card
-
18.00%
DetailsCredit Score: 609-560; After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Platinum Rewards Visa Card
-
18.00%
DetailsCredit Score: 559 or below; APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
19.24%
DetailsCredit Score: 699-660; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
20.74%
DetailsCredit Score: 659-610; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
21.24%
DetailsCredit Score: 609-560; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Credit Card
-
23.24%
DetailsCredit Score: 559 or below; APR for cash advances may be higher. Cash advances do not earn Unitus Rewards Points or Cash Back. Balance transfers do not earn Unitus Rewards Points or Cash Back. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
6.99%
48 months
DetailsCredit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Rates are based on your credit history and credit qualifications. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
9.99%
DetailsCredit Score: 740+
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
10.49%
DetailsCredit Score: 739 - 700
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
11.74%
DetailsCredit Score: 740 +; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
13.74%
DetailsCredit Score: 739 - 700; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
13.99%
DetailsCredit Score: 699 - 660
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
15.49%
DetailsCredit Score: 659 - 610
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
16.74%
DetailsCredit Score: 699 - 660; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
18.49%
DetailsCredit Score: 609 - 560
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
18.74%
DetailsCredit Score: 659 - 610; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
18.99%
DetailsCredit Score: 609 - 560; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Loan
19.49%
DetailsCredit Score: 559 or below
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Personal Line of Credit
19.74%
DetailsCredit Score: 559 or below; Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Unitus Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Bicycle Loans
-
-
6.99%
DetailsAs Low As; Include accessories in your loan (contact us for details)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Cash Back Rewards Card Loan
-
-
13.74%
DetailsAs low as
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Immigration Loan
-
-
6.07%
DetailsMake fixed low monthly payments at 0% interest with a 6.07% APR Additional terms apply
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Health Savings Account Checking
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Health Savings Account Checking
0.05%
-
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Health Savings Account Checking
0.10%
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Business Health Savings Account Checking
0.10%
-
0.10%
Min Balance$50,000
DetailsBalance: $50,000 or more
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Health Savings Account Checking
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Health Savings Account Checking
0.05%
-
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Health Savings Account Checking
0.10%
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Health Savings Account Checking
0.10%
-
0.10%
Min Balance$50,000
DetailsBalance: $50,000 or more
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.83%
Financial Health History
Unitus Community Credit Union’s Texas Ratio stayed near 2.73% in Q2 2023 to 2.83% 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
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
March 31, 2026
$1.8B
2.83%
5.0
A+
December 31, 2025
$1.7B
4.30%
5.0
A+
September 30, 2025
$1.7B
3.85%
5.0
A+
June 30, 2025
$1.7B
2.85%
5.0
A+
March 31, 2025
$1.7B
2.59%
5.0
A+
December 31, 2024
$1.7B
4.13%
5.0
A+
September 30, 2024
$1.7B
2.53%
5.0
A+
June 30, 2024
$1.7B
2.70%
5.0
A+
March 31, 2024
$1.8B
2.65%
5.0
A+
December 31, 2023
$1.7B
3.38%
5.0
A+
September 30, 2023
$1.7B
2.73%
5.0
A+
June 30, 2023
$1.7B
2.73%
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 Unitus Community 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 Unitus Community 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 Unitus Community Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
139,634,984
Total Uninsured Shares and Deposits > $250K (F+J)
139,634,984
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,465,584,759
Total Interest Expense (Sum of items 6 8)
6,214,982
Share Certificates
10,426
Number of Accounts for Share Drafts
68,462
IRA KEOGH Accounts
4,862
Number of Accounts for Regular Shares
184,711
All other shares
345
Non Member Deposits
73
Money Market Shares
4,441
Net Income (unless the amount is already included in Undivided Earnings)
602,219
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)
215,822,664
Total Liabilities
1,631,829,831
Source: NCUA — Last Updated 03/31/2026
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Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Unitus Community Credit Union
Frequently Asked Questions About Unitus Community Credit Union
How many branches does Unitus Community Credit Union operate?
Unitus Community 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 Unitus Community Credit Union?
Yes, to access services at Unitus Community 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, Unitus Community 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, Unitus Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Unitus Community Credit Union offer online and mobile banking?
Most modern institutions like Unitus Community 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.unitusccu.com.
Current Unitus Community Credit Union Rates
Savings0.01%
MMA0.25%
Retrieved from our database of financial products. Rates subject to change.