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United Members Federal Credit Union

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United Members Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Members 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: August 29, 2026

United Members Federal Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of United Members Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.16%. Rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.16%

Excellent Lower than avg

United Members Federal Credit Union
Main Office

4833 S Sheridan Rd Ste 401
Tulsa, OK 74145

https://www.unitedmembersfcu.com

United Members Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle Loan	-	-	5.49%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%
Used Vehicle Loan	-	-	6.49%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.16%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Members 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 Members 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 Members Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Members Federal Credit Union

Website https://www.unitedmembersfcu.com

Address 4833 S Sheridan Rd Ste 401, Tulsa, OK 74145

Phone 918-663-9303

Fax 918-663-9305

President John Blackmon

CEO Denis Lane

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

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+ (98/100)

Texas Ratio

4.16%

Return on Assets (ROA)

0.3358%

Return on Equity (ROE)

1.8944%

Non-Performing Loans Ratio (NPL)

2.78%

Total Assets

10,948,366

Total Amount of Shares and Deposits

8,990,614

Total Shares and Deposits < 1 Year

8,990,614

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

333,783

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

333,783

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

8,656,831

Total Interest Expense (Sum of items 6 8)

57,094

Number of Accounts for Share Drafts

390

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,226

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

36,764

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)

424,576

Total Liabilities

9,007,706

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About United Members Federal Credit Union

How many branches does United Members Federal Credit Union operate?

United Members 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 Members Federal Credit Union?

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

Does United Members Federal Credit Union offer online and mobile banking?

Most modern institutions like United Members 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.unitedmembersfcu.com.