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 United Business and Industry Federal Credit Union Rates & Review September 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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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: August 31, 2026
United Business and Industry Federal Credit Union's 24 month IRA CD rates are at 4.00%, 6 month CD rates are at 3.75%, 12 month CD rates are at 3.25%, 60 month IRA CD rates are at 3.05%, 60 month CD rates are at 3.00%. United Business and Industry Federal Credit Union's savings rates are at 0.02%. United Business and Industry Federal Credit Union's money market rates are at 0.05%. United Business and Industry Federal Credit Union's Personal Loan Rates are at 8.74%. MonitorBankRates evaluates the financial stability of United Business and Industry Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 08/31/2026. United Business and Industry 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 United Business and Industry Federal Credit Union? Share your experience about United Business and Industry Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Business and Industry Federal Credit Union. United Business and Industry Federal Credit Union
United Business & Industry FCU 120 Woodford Ave
https://ubifcu.com Plainville, CT 06062-2335 
United Business and Industry Federal Credit Union CD Rates
United Business and Industry Federal Credit Union Savings Rates
United Business and Industry Federal Credit Union Money Market Rates
United Business and Industry Federal Credit Union Home Equity & HELOC
United Business and Industry Federal Credit Union Auto Loan Rates
United Business and Industry Federal Credit Union Personal Loan Rates
Financial Health HistoryUnited Business and Industry Federal Credit Union’s Texas Ratio fell from 2.07% in Q2 2023 to 0.67% in Q1 2026, so its financial health has improved and is now 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; the amber line marks the 15% level a credit union must stay under 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 threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Business and Industry 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 United Business and Industry 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 United Business and Industry Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Business and Industry Federal Credit Union
Website
https://ubifcu.com
Address
120 Woodford Ave,
Plainville, CT 06062-2335
Phone
860-747-4152
Fax
860-793-8248
President
Howard Schmelder
CEO
Edward Bohnwagner III
Full-Time Employees
21
Part-Time Employees
6
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.67%
Return on Assets (ROA)
0.3029%
Return on Equity (ROE)
2.7469%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
143,390,150
Total Amount of Shares and Deposits
126,480,405
Total Shares and Deposits < 1 Year
124,871,365
Total Shares and Deposits 1 3 Years
1,451,597
Total Shares and Deposits > 3 Years
157,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,339,945
Total Uninsured Shares and Deposits > $250K (F+J)
15,339,945
Total Insured Shares and Deposits > $250K (item 17 less item K)
111,140,460
Total Interest Expense (Sum of items 6 8)
350,174
Share Certificates
749
Number of Accounts for Share Drafts
3,847
IRA KEOGH Accounts
288
Number of Accounts for Regular Shares
13,214
All other shares
343
Money Market Shares
249
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)
14,905,801
Total Liabilities
127,579,277
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for United Business and Industry Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for United Business and Industry Federal Credit Union
Frequently Asked Questions About United Business and Industry Federal Credit UnionHow many branches does United Business and Industry Federal Credit Union operate?United Business and Industry 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 United Business and Industry Federal Credit Union?Yes, to access services at United Business and Industry 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, United Business and Industry 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, United Business and Industry Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Business and Industry Federal Credit Union offer online and mobile banking?Most modern institutions like United Business and Industry 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://ubifcu.com. Current United Business and Industry Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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