University of Wisconsin Credit Union Rates and Review February 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.
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University of Wisconsin 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 University of Wisconsin Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . University of Wisconsin Credit Union Texas RatioUniversity of Wisconsin Credit Union's Texas Ratio is at 4.81%, which is considered excellent. The Texas Ratio for University of Wisconsin Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that University of Wisconsin Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
University of Wisconsin Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, University of Wisconsin Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
University of Wisconsin Credit Union
Community Building 8033 Excelsior Dr
Madison, WI 53717 
University of Wisconsin Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for University of Wisconsin 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 University of Wisconsin 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 University of Wisconsin Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: University of Wisconsin Credit Union
Website: https://www.uwcu.org
Full Time Employees: 830Part Time Employees: 72 President: Kelly Wilson CEO: Paul Kundert Branch Locations: 38 ATM Locations: 34 Corporate Office Address:
8033 Excelsior Dr
Madison, WI 53717 Phone Number: 608-232-5000 Fax Number: 608-232-5044 FinancialsTotal Assets:
6,174,111,524
Total Amount of Shares and Deposits:
5,353,227,606
Total Shares and Deposits < 1 Year:
5,218,906,513
Total Shares and Deposits 1 3 Years:
122,785,978
Total Shares and Deposits > 3 Years:
11,535,115
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
509,634,539
Total Uninsured Shares and Deposits > $250K (F+J):
509,634,539
Total Insured Shares and Deposits > $250K (item 17 less item K):
4,843,593,067
Total Interest Expense (Sum of items 6 8):
77,236,667
Share Certificates:
32,724
Number of Accounts for Share Drafts:
296,071
IRA KEOGH Accounts:
8,654
Number of Accounts for Regular Shares:
455,136
Money Market Shares:
35,680
Net Income (unless the amount is already included in Undivided Earnings):
41,375,880
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
327,023,971
Total Liabilities:
5,613,492,108
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About University of Wisconsin Credit UnionIs a member application needed to join University of Wisconsin Credit Union?Yes, to access services at University of Wisconsin Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, University of Wisconsin Credit Union provides a range of mortgage and home equity products. Is University of Wisconsin Credit Union a safe place to deposit money?Yes, University of Wisconsin Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does University of Wisconsin Credit Union offer online and mobile banking?Most modern institutions like University of Wisconsin Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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You can compare University of Wisconsin Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.85%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 3.80%. Savings rates are at 0.25% and money market rates are at 1.46%. Mortgage rates on 30-year fixed loans are around 6.23%. All these rates, and more, can be found in our database of rates which you can compare to 
