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Toledo Urban Federal Credit Union

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Toledo Urban Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Toledo Urban Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Toledo Urban Federal Credit Union's Personal Loan Rates are as low as 10.00%. Toledo Urban Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Toledo Urban Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.35%. Rates last updated and verified on 09/16/2026.

Toledo Urban 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 Toledo Urban Federal Credit Union? Share your experience about Toledo Urban Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Toledo Urban Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.35%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Toledo Urban Federal Credit Union
Toledo Urban FCU

1441 Dorr St
Toledo, OH 43607-3956

https://www.toledourban.net

Toledo Urban Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	4.75%	-	4.75%	Up to 84 Months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%
Older and Specialty Autos	6.90%	-	6.90%	Up to 84 Months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%

Toledo Urban Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Credit Card	-	9.99%
Details Mastercard Credit Card ($7,500 Max.); Rates are based on credit qualifications, credit score and include rewards discounts. Rates are subject to change without notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%

Toledo Urban Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Unsecured	10.00%	60 Months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%

Toledo Urban Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan	9.00%	-	9.00%	24 Months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%
New Loan	-	-	6.50%	Up to 84 Months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%
Used Loan	-	-	6.50%	Up to 72 Months
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%
Regular share	-	-	0.05%
Min Balance $100 Details for account over $100.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Toledo Urban Federal Credit Union’s Texas Ratio rose from 6.72% in Q2 2023 to 14.35% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. 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)

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	$17M	14.35%	5.0	A-
December 31, 2025	$17M	20.21%	4.6	B
September 30, 2025	$16M	17.96%	4.8	B+
June 30, 2025	$17M	21.15%	4.5	B
March 31, 2025	$17M	12.79%	5.0	A
December 31, 2024	$16M	14.33%	5.0	A-
September 30, 2024	$17M	11.46%	5.0	A
June 30, 2024	$16M	15.80%	4.9	A-
March 31, 2024	$19M	11.06%	5.0	A
December 31, 2023	$16M	14.92%	5.0	A-
September 30, 2023	$16M	23.43%	4.3	B-
June 30, 2023	$16M	6.72%	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 Toledo Urban 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 Toledo Urban 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 Toledo Urban Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Toledo Urban Federal Credit Union

Website https://www.toledourban.net

Address 1441 Dorr St, Toledo, OH 43607-3956

Phone 419-255-8876

Fax 419-255-4390

President Alpha McKinstry

CEO Suzette Cowell

Full-Time Employees 13

Part-Time Employees 4

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.35%

Return on Assets (ROA)

-0.1731%

Return on Equity (ROE)

-1.5497%

Non-Performing Loans Ratio (NPL)

2.27%

Total Assets

16,982,977

Total Amount of Shares and Deposits

15,367,965

Total Shares and Deposits < 1 Year

12,989,353

Total Shares and Deposits 1 3 Years

2,307,549

Total Shares and Deposits > 3 Years

71,063

Total Uninsured Shares and Deposits > $250K (F+J)

2,584,612

Total Insured Shares and Deposits > $250K (item 17 less item K)

12,783,353

Total Interest Expense (Sum of items 6 8)

30,303

Share Certificates

Number of Accounts for Share Drafts

2,851

Number of Accounts for Regular Shares

3,229

All other shares

469

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-29,406

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)

1,185,273

Total Liabilities

16,635,427

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Toledo Urban Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Toledo Urban Federal Credit Union

How many branches does Toledo Urban Federal Credit Union operate?

Toledo Urban 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 Toledo Urban Federal Credit Union?

Yes, to access services at Toledo Urban 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, Toledo Urban 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, Toledo Urban Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Toledo Urban Federal Credit Union offer online and mobile banking?

Most modern institutions like Toledo Urban 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.toledourban.net.