What are the current interest rates at UNCLE Credit Union?

Current rates for UNCLE Credit Union include: 12-Month CD: 3.01%, 18-Month CD: 2.57%, 24-Month CD: 2.61%, 60-Month CD: 1.84%, Savings: 0.05%, MMA: 3.15%

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UNCLE Credit Union Rates & Review October 2026

Q: How many branches does UNCLE Credit Union operate?

UNCLE 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.

Q: Is a member application needed to join UNCLE Credit Union?

Yes, to access services at UNCLE 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.

Q: Is there a first-time homebuyer program?

Currently, UNCLE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UNCLE 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: October 13, 2026

UNCLE Credit Union's top rates as of October 13, 2026 are 4.33% APY on its CDs - 12 Month Variable CD, 0.05% APY on savings, 3.15% APY on money market accounts, personal loans from 13.99% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other UNCLE Credit Union CD rates include CDs - 5 Month Special at 3.65%, CDs - 3 Month at 3.04%, and Youth CDs - 3 Month at 3.04%. MonitorBankRates evaluates the financial stability of UNCLE Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.51%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

UNCLE Credit Union
MAIN OFFICE

2100 LAS POSITAS CT
LIVERMORE, CA 94551-7301

https://www.unclecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

UNCLE Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 12 Month Variable	4.25%	4.33%	12 Month
Min Deposit $1,500 Min Balance $1,500 Details Variable Rate 12-Month Share Certificate tied to the Treasury Bill 6-month auction average, rounded down to the nearest quarter percent and adjusted quarterly; Rates subject to change after account is opened; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.33% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 5 Month Special	3.59%	3.65%	5 Month
Min Deposit $1,500 Min Balance $1,500 Details Promotional 5-Month Share Certificate available as of May 27, 2026; subject to change or cancellation without notice; at maturity balance transfers to a 6-month fixed-rate certificate at the current rate offering; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 3 Month	3.00%	3.04%	3 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Youth Certificates - 3 Month	3.00%	3.04%	3 Month
Min Deposit $100 Min Balance $100 Details Fixed; Dividend Paid: Monthly; For primary members age 17 and under Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 12 Month	2.97%	3.01%	12 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Youth Certificates - 12 Month	2.97%	3.01%	12 Month
Min Deposit $100 Min Balance $100 Details Fixed; Dividend Paid: Monthly; For primary members age 17 and under Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 6 Month	2.79%	2.83%	6 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.83% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Youth Certificates - 6 Month	2.79%	2.83%	6 Month
Min Deposit $100 Min Balance $100 Details Fixed; Dividend Paid: Monthly; For primary members age 17 and under Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.83% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 24 Month	2.58%	2.61%	24 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 18 Month	2.54%	2.57%	18 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.57% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Youth Certificates - 18 Month	2.54%	2.57%	18 Month
Min Deposit $100 Min Balance $100 Details Fixed; Dividend Paid: Monthly; For primary members age 17 and under Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 36 Month	2.53%	2.56%	36 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 60 Month	1.83%	1.84%	60 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Share Certificates - 48 Month	1.75%	1.76%	48 Month
Min Deposit $1,500 Min Balance $1,500 Details Fixed rate; Minimum to earn dividends $1,500; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Savings Rates

Product	Rate	APY
IRA Share Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Balance: $100.00 and over; Dividend Paid: Monthly; Minimum to earn dividend $100.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Regular Savings	0.01%	0.01%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 +; Dividend Paid: Monthly; APY=Annual Percentage Yield. The above rates are the same for charitable & not-for-profit organizations. Regular Savings requires a minimum opening balance of $5.00 and a minimum to earn dividend of $100.00. For Youth Savings accounts, there is no minimum required to earn dividends (Primary members ages 17 and under). Rate subject to change after account is opened. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Money Market Rates

Product	Rate	APY
Money Markets	3.11%	3.15%
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000 +; Dividend paid monthly; New money required; funds must be transferred from another financial institution; existing Money Market accountholders must increase total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more; rate of 3.15% APY available as of July 20, 2026, subject to change or cancellation without notice Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Money Markets	0.85%	0.85%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Dividend paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Money Markets	0.62%	0.62%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividend paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.62% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Money Markets	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividend paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Money Markets	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Dividend paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Money Markets	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividend paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit - Owner Occupied	-	-	6.49%	10 year
Details Term: 10 year draw + 15 yr. repayment; As Low As; 6-Month Intro Rate (fixed APR, 0.51% below Prime, first 6 months); Current Indexed Rate: 7.00% APR; Loan amount $10,000 to $400,000; Minimum credit line $10,000; No annual fee Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Home Equity Line of Credit	-	-	7.00%
Details Owner-occupied California 1-4 residential real property; up to $400,000 at 80% CLTV; variable APR cannot fall below 3.50% or exceed 15.00%; minimum credit line $10,000 Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Home Equity Lines of Credit - Non-Owner Occupied	-	-	7.49%	10 year
Details Term: 10 year draw + 15 yr. repayment; As Low As; 6-Month Intro Rate (fixed APR, 0.51% below Prime plus 1.00%, first 6 months); Current Indexed Rate: 8.00% APR; Loan amount $10,000 to $400,000; Minimum credit line $10,000; No annual fee Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Home Equity Line of Credit - Non-Owner-Occupied	-	-	8.00%
Details Non-owner-occupied California 1-4 residential real property; up to $400,000 at 75% CLTV; rate varies with Wall Street prime plus 1.00%; variable APR cannot fall below 4.50% or exceed 18.00%; minimum credit line $10,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (2025 or newer)	-	-	4.29%	Up to 24 months
Details APR range: 4.29-18.79%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
New Auto (2025 or newer)	-	-	4.79%	Up to 60 months
Details APR range: 4.79-19.29%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
New Auto (2025 or newer)	-	-	5.09%	Up to 72 months
Details APR range: 5.09-19.59%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
New Auto (2025 or newer)	-	-	5.29%	Up to 84 months
Details APR range: 5.29-19.79%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Used Auto (2020-2024)	-	-	5.49%	Up to 24 months
Details APR range: 5.49-21.99%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Used Auto (2020-2024)	-	-	5.99%	Up to 60 months
Details APR range: 5.99-22.49%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
New Auto (2025 or newer)	-	-	6.29%	Up to 96 months
Details APR range: 6.29-6.79%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Used Auto (2020-2024)	-	-	6.29%	Up to 72 months
Details APR range: 6.29-22.79%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Used Auto (2020-2024)	-	-	6.49%	Up to 84 months
Details APR range: 6.49-22.99%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Super Used Auto (2014-2019)	-	-	10.49%	Up to 60 months
Details APR range: 10.49-11.49%; Actual rates determined by vehicle model year, loan term, and credit history; Lowest rate is for direct loans and does not apply to applications originated through CUDL Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	12.99%
Details Published APR range: 12.99-27.99%. Credit limits $500-$40,000; Revolving; Minimum payment 2% if APR less than 24.00%, 3% if APR above 24.00%; No annual fees Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%
Choice Rewards Credit Card	-	13.99%
Details Published APR range: 13.99-28.99%. Credit limits $500-$40,000; Revolving; Minimum payment 2% if APR less than 24.00%, 3% if APR above 24.00%; No annual fees Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

UNCLE Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	13.99%	24-60 months
Details Published APR range: 13.99-25.99%. Maximum personal loan amount is $40,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 13.99% ▲ 4.00 pts · high 13.99% / low 9.99% Oct 9, 202613.99%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.51%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

UNCLE Credit Union’s Texas Ratio fell from 8.47% in Q3 2023 to 5.51% in Q2 2026, so its financial health has improved 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
June 30, 2026	$716M	5.51%	5.0	A+
March 31, 2026	$738M	6.41%	5.0	A
December 31, 2025	$757M	10.87%	5.0	A
September 30, 2025	$771M	10.15%	5.0	A
June 30, 2025	$774M	9.07%	5.0	A
March 31, 2025	$754M	6.94%	5.0	A
December 31, 2024	$748M	9.28%	5.0	A
September 30, 2024	$754M	4.73%	5.0	A+
June 30, 2024	$729M	5.30%	5.0	A+
March 31, 2024	$708M	6.22%	5.0	A
December 31, 2023	$726M	6.56%	5.0	A
September 30, 2023	$715M	8.47%	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 UNCLE 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 UNCLE 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 UNCLE Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UNCLE Credit Union

Website https://www.unclecu.org

Address 2100 LAS POSITAS CT, LIVERMORE, CA 94551-7301

Phone 925-447-5001

Fax 925-447-8410

President Chung Bothwell

CEO HAROLD ROUNDTREE

Full-Time Employees 95

Part-Time Employees 9

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.51%

Return on Assets (ROA)

0.1461%

Return on Equity (ROE)

1.7648%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

716,088,387

Total Amount of Shares and Deposits

644,851,631

Total Shares and Deposits < 1 Year

641,113,627

Total Shares and Deposits 1 3 Years

2,913,336

Total Shares and Deposits > 3 Years

824,668

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

108,094,609

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

108,094,609

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

536,757,022

Total Interest Expense (Sum of items 6 8)

3,878,782

Share Certificates

3,531

Number of Accounts for Share Drafts

20,309

IRA KEOGH Accounts

607

Number of Accounts for Regular Shares

38,316

All other shares

634

Money Market Shares

3,877

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

1,046,362

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)

17,561,858

Total Liabilities

660,410,807

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

UNCLE Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About UNCLE Credit Union

How many branches does UNCLE Credit Union operate?

UNCLE 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 UNCLE Credit Union?

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

Does UNCLE Credit Union offer online and mobile banking?

Most modern institutions like UNCLE 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.unclecu.org.

Current UNCLE Credit Union Rates

12-Month CD3.01%
18-Month CD2.57%
24-Month CD2.61%
60-Month CD1.84%
Savings0.05%
MMA3.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

UNCLE Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UNCLE Credit Union Texas Ratio

UNCLE Credit Union Health Trend

UNCLE Credit Union CD Rates

UNCLE Credit Union Savings Rates

UNCLE Credit Union Money Market Rates

UNCLE Credit Union Home Equity & HELOC

UNCLE Credit Union Auto Loan Rates

UNCLE Credit Union Credit Card Rates

UNCLE Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UNCLE Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About UNCLE Credit Union

How many branches does UNCLE Credit Union operate?

Is a member application needed to join UNCLE Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UNCLE Credit Union offer online and mobile banking?

Current UNCLE Credit Union Rates

Compare to Other Credit Unions