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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.
 URW Community 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
URW Community Federal Credit Union's 1 Year CDs (Share & IRA) rates are at 3.60%, 2 Year CDs (Share & IRA) rates are at 3.09%, Bump-Up CD 2 Year rates are at 3.09%, 6 Month CDs (Share & IRA) rates are at 2.53%, 3 Year CDs (Share & IRA) rates are at 2.06%. URW Community Federal Credit Union's savings rates are at 0.12%. URW Community Federal Credit Union's money market rates are at 0.30%. URW Community Federal Credit Union's Personal Loan Rates are at 10.20%. MonitorBankRates evaluates the financial stability of URW Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.37%. Rates were last updated on 04/05/2026. URW Community 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 URW Community Federal Credit Union? Share your experience about URW Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use URW Community Federal Credit Union. URW Community Federal Credit Union
Lowes Drive Office 314 Lowes Dr
https://www.urwfcu.org Danville, VA 24540 5927 
URW Community Federal Credit Union CD Rates
URW Community Federal Credit Union Savings Rates
URW Community Federal Credit Union Money Market Rates
URW Community Federal Credit Union Checking Rates
URW Community Federal Credit Union Mortgage Rates
URW Community Federal Credit Union Credit Card Rates
URW Community Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for URW Community 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 URW Community 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 URW Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
URW Community Federal Credit Union
Website
https://www.urwfcu.org
Address
314 Lowes Dr,
Danville, VA 24540 5927
Phone
434-793-1278
Fax
President
Charles Phillips
CEO
Cheryl Doss
Full-Time Employees
56
Part-Time Employees
0
Branch Locations
12
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.37%
Return on Assets (ROA)
0.5493%
Return on Equity (ROE)
3.7243%
Non-Performing Loans Ratio (NPL)
1.94%
Total Assets
223,236,264
Total Amount of Shares and Deposits
188,788,104
Total Shares and Deposits < 1 Year
169,542,634
Total Shares and Deposits 1 3 Years
17,497,108
Total Shares and Deposits > 3 Years
1,748,361
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,953,932
Total Uninsured Shares and Deposits > $250K (F+J)
12,456,298
Total Insured Shares and Deposits > $250K (item 17 less item K)
176,331,806
Total Interest Expense (Sum of items 6 8)
2,397,274
Share Certificates
1,493
Number of Accounts for Share Drafts
13,348
IRA KEOGH Accounts
642
Number of Accounts for Regular Shares
38,290
Non Member Deposits
9
Money Market Shares
157
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,819,932
Total Liabilities
190,999,752
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About URW Community Federal Credit UnionIs URW Community Federal Credit Union a safe place to deposit money?Yes, URW Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.372576480777%, the institution's financial health is rated as excellent. 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 URW Community Federal Credit Union operate?URW Community 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 URW Community Federal Credit Union?Yes, to access services at URW Community 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, URW Community 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, URW Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does URW Community Federal Credit Union offer online and mobile banking?Most modern institutions like URW Community 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.urwfcu.org. Current URW Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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