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Ukrainian Federal Credit Union Rates & Review March 2026

Ukrainian Federal Credit Union's 13-month CD special rates are at 3.75%, CDs1 13 month rates are at 3.75%, 3-year (1x bump-up) IRA CD special rates are at 3.50%, 3-year (1x bump-up) CD special rates are at 3.50%, CDs1 3 years (1x Bump Up) rates are at 3.50%. Ukrainian Federal Credit Union's savings rates are at 0.03%. Ukrainian Federal Credit Union's money market rates are at 0.10%. Ukrainian Federal Credit Union's Personal Loan Rates are at 9.00%. Ukrainian Federal Credit Union's Credit Card Rates are at 13.25%. MonitorBankRates evaluates the financial stability of Ukrainian Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.45%. Rates were last updated on 03/17/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.45%
Excellent Higher than avg
Ukrainian Federal Credit Union
Rochester Main Office
824 E Ridge Rd
Rochester, NY 14621
https://ukrainianfcu.org
Member NCUA

Ukrainian Federal Credit Union CD Rates

Product Rate APY Term View More
13-month Share Certificate special - 3.75% 13
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 13 month 3.70% 3.75% 13 months
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
3-year (1x bump-up) IRA Share Certificate special - 3.50% 3-year
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
3-year (1x bump-up) Share Certificate special - 3.50% 3-year
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 3 years (1x Bump Up) 3.46% 3.50% 3 years
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 5 years 3.25% 3.29% 5 years
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 4 years 2.50% 2.52% 4 years
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 1 year 1.50% 1.51% 1 year
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 2 years 1.50% 1.51% 2 years
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Share Certificates1 6 month 1.50% 1.51% 6 months
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Savings Rates

Product Rate APY View More
Regular Savings - 0.03%
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 3.00% 3.04%
Min Balance $250,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market1 3.00% 3.04%
Min Balance $250,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market 2.75% 2.78%
Min Balance $100,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market1 2.75% 2.78%
Min Balance $100,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market 2.50% 2.53%
Min Balance $25,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market1 2.50% 2.53%
Min Balance $25,000
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market 2.00% 2.02%
Min Balance $2,500
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market1 2.00% 2.02%
Min Balance $2,500
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market 0.10% 0.10%
Min Balance $500
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Money Market1 0.10% 0.10%
Min Balance $500
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Checking Rates

Product Rate APY View More
Business Checking - 0.00%
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Organizational Checking - 0.00%
No additional details.
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage Loans - 0 5.25% 5 Years
Details As Low As; NY ONLY
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
3/1/30 - 0 5.38%
Details As Low As; NY ONLY
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 5.38% 5 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
3/1/30 - 0 5.50%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
5/1/30 - 0 5.50%
Details As Low As; NY ONLY
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 5.50% 10 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
5/1/30 - 0 5.63%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
7/1/30 - 0 5.63%
Details As Low As; NY ONLY
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 5.63% 15 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
10/1/30 - 0 5.75%
Details As Low As; NY ONLY
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
7/1/30 - 0 5.75%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 5.75% 20 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
10/1/30 - 0 5.88%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 5.88% 25 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 6.00% 20 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgage Loans - 0 6.13% 25 Years
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Mortgages - - 8.63% 12
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity up to 70% LTV - 0 6.50% 10 Years
Details As Low As; CA, OR, WA
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Home Equity up to 75% LTV - 0 6.50% 10 Years
Details As Low As; NY, MA, OH, NC
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Home Equity up to 70% LTV - 0 7.00% 15 Years
Details As Low As; CA, OR, WA
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Home Equity up to 75% LTV - 0 7.00% 15 Years
Details As Low As; NY, MA, OH, NC
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Used Auto Loan (vehicle year 2022 - 2026) - - 4.75% 3
Details As Low As; APR*
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Used Auto Loan (vehicle year 2022 - 2026) - - 5.00% 5
Details As Low As; APR*
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Used Auto Loan (vehicle year 2022 - 2026) - - 5.25% 6
Details As Low As; APR*
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
New Auto Loan (vehicle year 2025 - 2026) - - 5.50% 3
Details As Low As; 4.50%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
New Auto Loan (vehicle year 2025 - 2026) - - 5.75% 5
Details As Low As; 4.75%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
New Auto Loan (vehicle year 2025 - 2026) - - 6.00% 6
Details As Low As; 5.00%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
New Auto Loan (vehicle year 2025 - 2026) - - 6.25% 7
Details As Low As; 5.25%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Credit Card Rates

Product Rate APR View More
UFCU Everyday Rewards VISA®Credit Card Unsecured - 12.50%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
UFCU Everyday Rewards VISA®Credit Card - 13.25%
Details As Low As; Regular APR: 13.25% to 18.00%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
UFCU Everyday Rewards VISA®Credit Card Balance Transfers - 13.25%
Details Regular APR: 13.25% to 18.00%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
UFCU Everyday Rewards VISA®Credit Card Purchases - 13.25%
Details Regular APR: 13.25% to 18.00%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
UFCU Everyday Rewards VISA®Credit Card Unsecured - 14.50%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
UFCU Everyday Rewards VISA®Credit Card Cash Advance - 15.25%
Details Regular APR: 15.25% to 18.00%
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Ukrainian Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.00%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Personal Loan - 10.00%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Personal Loan - 11.00%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Personal Loan - 12.00%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%
Personal Loan - 12.50%
Details As Low As
Last Updated 03/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.45%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Ukrainian 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 Ukrainian 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 Ukrainian Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ukrainian Federal Credit Union
Address 824 E Ridge Rd, Rochester, NY 14621
Phone 585-544-9518
Fax 585-338-2980
President Wasyl Kornylo
CEO Oleg Lebedko
Full-Time Employees 82
Part-Time Employees 9
Branch Locations 14
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.45%
Return on Assets (ROA)
0.1547%
Return on Equity (ROE)
1.9466%
Non-Performing Loans Ratio (NPL)
1.04%
Total Assets
414,116,673
Total Amount of Shares and Deposits
371,972,899
Total Shares and Deposits < 1 Year
274,677,772
Total Shares and Deposits 1 3 Years
84,919,857
Total Shares and Deposits > 3 Years
12,375,270
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
45,879,701
Total Uninsured Shares and Deposits > $250K (F+J)
45,879,701
Total Insured Shares and Deposits > $250K (item 17 less item K)
326,093,198
Total Interest Expense (Sum of items 6 8)
6,074,802
Share Certificates
4,086
Number of Accounts for Share Drafts
14,763
IRA KEOGH Accounts
1,809
Number of Accounts for Regular Shares
30,074
All other shares
588
Non Member Deposits
5
Money Market Shares
321
Net Income (unless the amount is already included in Undivided Earnings)
640,668
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,866,638
Total Liabilities
381,458,694
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Ukrainian Federal Credit Union

Is Ukrainian Federal Credit Union a safe place to deposit money?

Yes, Ukrainian Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.452291949805%, 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 Ukrainian Federal Credit Union operate?

Ukrainian 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 Ukrainian Federal Credit Union?

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

Does Ukrainian Federal Credit Union offer online and mobile banking?

Most modern institutions like Ukrainian 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://ukrainianfcu.org.

Current Ukrainian Federal Credit Union Rates

  • 12-Month CD1.51%
  • 24-Month CD1.51%
  • 60-Month CD3.29%
  • Savings0.03%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.