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United Business and Industry Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 →
| iEditorial Disclosure
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: October 12, 2026

United Business and Industry Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 24 month IRA CD, 0.15% APY on savings, 0.20% APY on money market accounts, 5.00% APY on checking, and personal loans from 8.74% APR, according to rates verified by MonitorBankRates. Other United Business and Industry Federal Credit Union CD rates include 6 month CD at 4.00%, 12 month CD at 3.25%, and 60 month IRA CD at 3.05%. 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 0.58%. Rates last updated and verified on 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.58%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
United Business and Industry Federal Credit Union
United Business & Industry FCU
120 Woodford Ave
Plainville, CT 06062-2335
https://ubifcu.com
Member NCUA
Customer Reviews
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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.

United Business and Industry Federal Credit Union CD Rates

Product Rate APY Term View More
24 month IRA Certificate 3.93% 4.00% 24 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
6 month Certificate 3.93% 4.00% 6 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
12 month Certificate 3.20% 3.25% 12 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 10 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
60 month IRA Certificate 3.01% 3.05% 60 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 20, 2026: 3.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
60 month Certificate 2.96% 3.00% 60 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
48 month IRA Certificate 2.52% 2.55% 48 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Sep 20, 2026: 2.55% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
48 month Certificate 2.47% 2.50% 48 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 10 times
2.00%2.50%3.00%Sep 12, 2026: 2.50% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
36 month IRA Certificate 2.28% 2.30% 36 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 2.30% APY · checked 4 times
1.80%2.30%2.80%Sep 20, 2026: 2.30% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
36 month Certificate 2.23% 2.25% 36 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 10 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
24 month Certificate 1.98% 2.00% 24 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
30 month Certificate 1.98% 2.00% 30 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
12 month IRA Certificate 1.79% 1.80% 12 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 20, 2026: 1.80% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
18 month IRA Certificate 1.79% 1.80% 18 months
Min Balance $1,000
Details IRA Certificates
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 20, 2026: 1.80% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
18 month Certificate 1.74% 1.75% 18 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.75% APY · checked 10 times
1.25%1.75%2.25%Sep 12, 2026: 1.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
3 month Certificate 1.00% 1.00% 3 month
Min Deposit $1,000
Details Rates effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.15% 0.15%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.15% 0.15%
Min Balance $15,000
Details Balance: $15,000 and up; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Vacation Club 0.15% 0.15%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.10% 0.10%
Min Balance $5,000
Details Balance: $5,000 to $9,999.99; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 0.15% / low 0.10%
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 18, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20260.10%▼ from 0.15%
  • Sep 12, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000 to $14,999.99; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 0.15% / low 0.10%
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 18, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20260.10%▼ from 0.15%
  • Sep 12, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.05% 0.05%
Min Balance $2,000
Details Balance: $1,000 to $2,999.99; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02%
0.00%0.28%0.55%Sep 12, 2026: 0.02% APYSep 18, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20260.05%▲ from 0.02%
  • Sep 12, 20260.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.05% 0.05%
Min Balance $3,000
Details Balance: $3,000 to $4,999.99; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02%
0.00%0.28%0.55%Sep 12, 2026: 0.02% APYSep 18, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
  • Sep 18, 20260.05%▲ from 0.02%
  • Sep 12, 20260.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Health Savings Account 0.02% 0.02%
Min Balance $100
Details Balance: $0 to 999.99; Requires High Deductible Medical Insurance Plan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.02% APY · checked 10 times
0.00%0.26%0.52%Sep 12, 2026: 0.02% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.20% 0.20%
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.20% APY · checked 10 times
0.00%0.35%0.70%Sep 12, 2026: 0.20% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Money Market 0.15% 0.15%
Min Balance $50,000
Details Balance: $50,000 to $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Money Market 0.10% 0.10%
Min Balance $25,000
Details Balance: $25,000 to $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Money Market 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500 to $9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Money Market 0.05% 0.05%
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Checking Rates

Product Rate APY View More
High Interest Checking - 5.00%
Details Homepage banner promotion; APY* = Annual Percentage Yield; no qualifications or balance requirements stated on page
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 6.79% 60 Months
Details As Low As; 75% Loan to Value; Call for rates above 75% LTV; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.79% APR · checked 12 times
6.29%6.79%7.29%Sep 12, 2026: 6.79% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Home Equity - - 7.24% 84 Months
Details As Low As; 75% Loan to Value; Call for rates above 75% LTV; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.24% APR · checked 12 times
6.74%7.24%7.74%Sep 12, 2026: 7.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Home Equity - - 7.49% 120 Months
Details As Low As; 75% Loan to Value; Call for rates above 75% LTV; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 12 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Home Equity - - 8.99% 180 Months
Details As Low As; 75% Loan to Value; Call for rates above 75% LTV; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 12 times
8.49%8.99%9.49%Sep 12, 2026: 8.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.74% 1-48 Months
Details As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 12, 2026: 4.24% APROct 8, 2026: 4.74% APRSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.74%▲ from 4.24%
  • Sep 12, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Auto Loan - - 4.99% 49-60 Months
Details As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 12, 2026: 4.49% APROct 8, 2026: 4.99% APRSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.99%▲ from 4.49%
  • Sep 12, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Auto Loan - - 5.49% 61-72 Months
Details As Low As; Model Year: 2019-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 12, 2026: 4.99% APROct 8, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
  • Oct 8, 20265.49%▲ from 4.99%
  • Sep 12, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Auto Loan - - 6.49% 73-84 Months
Details As Low As; Model Year: 2022-2025; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Auto Loan - - 7.99% 1-48 Months
Details As Low As; Model Year: 2018 and Older; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49%
6.99%7.74%8.49%Sep 12, 2026: 7.49% APROct 8, 2026: 7.99% APRSep 12, 2026Oct 13, 2026
  • Oct 8, 20267.99%▲ from 7.49%
  • Sep 12, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Auto Loan - - 8.24% 49-60 Months
Details As Low As; Model Year: 2018 and Older; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 12, 2026: 7.99% APROct 8, 2026: 8.24% APRSep 12, 2026Oct 13, 2026
  • Oct 8, 20268.24%▲ from 7.99%
  • Sep 12, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loan - 7.75% up to 180 Months
Details As Low As; Maximum Loan to Value (LTV) 80%
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.75% APR · checked 11 times
7.25%7.75%8.25%Sep 12, 2026: 7.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
RV Loan - 10.49% up to 60 Months
Details As Low As; Maximum Loan to Value (LTV) 80%
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.49% APR · checked 10 times
9.99%10.49%10.99%Sep 17, 2026: 10.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
RV Loan - 10.99% up to 84 Months
Details As Low As; Maximum Loan to Value (LTV) 80%
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.99% APR · checked 10 times
10.49%10.99%11.49%Sep 17, 2026: 10.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
RV Loan - 11.99% up to 120 Months
Details As Low As; Maximum Loan to Value (LTV) 80%
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 11.99% APR · checked 10 times
11.49%11.99%12.49%Sep 17, 2026: 11.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 8.74%
Details As Low As; Includes .25% discount for maintaining a checking account with direct deposit and automatic loan payment; Maximum loan amount $15,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 11 times
8.24%8.74%9.24%Sep 12, 2026: 8.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%

United Business and Industry Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Conduit IRA 0.10% - 0.10%
Min Balance $0
Details Minimum to Earn Interest: $0; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Education IRA 0.10% - 0.10%
Min Balance $0
Details Minimum to Earn Interest: $0; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
IRA Holding Share 0.10% - 0.10%
Min Balance $0
Details Minimum to Earn Interest: $0; Rates are effective as of 01/13/26
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Master Share 0.02% - 0.02%
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Secondary Share 0.02% - 0.02%
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
Youth Share 0.05% - 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.58%
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

United Business and Industry Federal Credit Union’s Texas Ratio fell from 2.80% in Q3 2023 to 0.58% in Q2 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.2% 4.0★ 5.5% 5.0★ Healthy zone – entire history below the 15% limit 2.80% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.58% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$141M0.58%5.0A+
March 31, 2026$143M0.67%5.0A+
December 31, 2025$140M0.77%5.0A+
September 30, 2025$134M1.23%5.0A+
June 30, 2025$137M1.27%5.0A+
March 31, 2025$136M2.69%5.0A+
December 31, 2024$133M3.22%5.0A+
September 30, 2024$130M2.91%5.0A+
June 30, 2024$129M3.86%5.0A+
March 31, 2024$129M2.99%5.0A+
December 31, 2023$127M4.11%5.0A+
September 30, 2023$125M2.80%5.0A+
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 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 20
Part-Time Employees 8
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.58%
Return on Assets (ROA)
0.5635%
Return on Equity (ROE)
4.9257%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
141,373,068
Total Amount of Shares and Deposits
124,332,431
Total Shares and Deposits < 1 Year
122,857,879
Total Shares and Deposits 1 3 Years
1,321,243
Total Shares and Deposits > 3 Years
153,309
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,599,291
Total Uninsured Shares and Deposits > $250K (F+J)
14,599,291
Total Insured Shares and Deposits > $250K (item 17 less item K)
109,733,140
Total Interest Expense (Sum of items 6 8)
700,704
Share Certificates
742
Number of Accounts for Share Drafts
3,821
IRA KEOGH Accounts
290
Number of Accounts for Regular Shares
13,152
All other shares
338
Money Market Shares
245
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)
11,549,506
Total Liabilities
125,199,869
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

United Business and Industry Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About United Business and Industry Federal Credit Union

How 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

  • 12-Month CD1.80%
  • 18-Month CD1.75%
  • 24-Month CD2.00%
  • 60-Month CD3.00%
  • Savings0.15%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.

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