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UnitedOne Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 13, 2026
UnitedOne Credit Union's top rates as of October 13, 2026 are 4.35% APY on its CD - 11 Month, 0.03% APY on savings, 2.75% APY on money market accounts, 5.00% APY on checking, 6.25% on its 10 Year Fixed (120 months) mortgage, and auto loans from 4.49% APR, according to rates verified by MonitorBankRates. Other UnitedOne Credit Union CD rates include Share/IRA CD - 11 Month at 4.35%, CD - 9 Month at 3.85%, and Share/IRA CD - 9 Month at 3.85%. Other UnitedOne Credit Union mortgage rates include 15 Year Fixed (180 months) at 6.62%, 20 Year Fixed (240 months) at 7.12%, and Mortgage at 7.38%. MonitorBankRates evaluates the financial stability of UnitedOne Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.62%. Rates last updated and verified on 10/13/2026.
UnitedOne 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 UnitedOne Credit Union? Share your experience about UnitedOne Credit Union by leaving a review below, or read customer reviews before you decide to use UnitedOne Credit Union.
UnitedOne Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
UnitedOne Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.62%
ExcellentLower than avg
UnitedOne Credit Union Texas Ratio
UnitedOne Credit Union's Texas Ratio is 1.62%, which is considered excellent and is lower than the national average of 6.13%.
UnitedOne Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.04% to 1.62% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
UnitedOne Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 11 Month
4.281%
4.35%
11 Month
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 11 Month
4.281%
4.35%
11 Month
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 9 Month
3.796%
3.85%
9 Month
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 9 Month
3.796%
3.85%
9 Month
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 1 Year Jumbo
2.82%
2.85%
1 Year
Min Balance$10,000
DetailsJumbo
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 1 Year Jumbo
2.82%
2.85%
1 Year
Min Balance$10,000
DetailsJumbo certificate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 2 Year Jumbo
2.771%
2.80%
2 Year
Min Balance$10,000
DetailsJumbo
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 2 Year Jumbo
2.771%
2.80%
2 Year
Min Balance$10,000
DetailsJumbo certificate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 1 Year
2.722%
2.75%
1 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 1 Year
2.722%
2.75%
1 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 2 Year
2.673%
2.70%
2 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 2 Year
2.673%
2.70%
2 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 18 Month
2.575%
2.60%
18 Month
Min Balance$5,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 18 Month
2.575%
2.60%
18 Month
Min Balance$5,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 3 Year
2.477%
2.50%
3 Year
Min Balance$5,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 3 Year
2.477%
2.50%
3 Year
Min Balance$5,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 4 Year Jumbo
2.192%
2.21%
4 Year
Min Balance$10,000
DetailsJumbo
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.21% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 4 Year Jumbo
2.192%
2.21%
4 Year
Min Balance$10,000
DetailsJumbo certificate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.21% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share Certificate - 4 Year
2.094%
2.11%
4 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.11% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Share/IRA Certificate - 4 Year
2.094%
2.11%
4 Year
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.11% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.15%
0.15%
Min Balance$1
DetailsOther fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Saver's Sweepstakes
0.10%
0.10%
Min Balance$100
DetailsOther fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Mates Club (Ages 0-11)
0.03%
0.03%
Min Balance$25
DetailsAges: 0-11
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Open Savings IRA
0.03%
0.03%
Min Balance$25
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Money Market Rates
Product
Rate
APY
View More
AchieveOne Money Market
2.716%
2.75%
Min Balance$1,000,000
DetailsBalance: $1,000,000; NEW!; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
2.472%
2.50%
Min Balance$500,000
DetailsBalance: $500,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
2.227%
2.25%
Min Balance$200,000
DetailsBalance: $200,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
1.736%
1.75%
Min Balance$100,000
DetailsBalance: $100,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
1.687%
1.70%
Min Balance$75,000
DetailsBalance: $75,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
0.797%
0.80%
Min Balance$50,000
DetailsBalance: $50,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
AchieveOne Money Market
0.598%
0.60%
Min Balance$25,000
DetailsBalance: $25,000; Other fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Money Market
0.349%
0.35%
Min Balance$25,000
DetailsBalance: $25,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Money Market
0.25%
0.25%
Min Balance$15,000
DetailsBalance: $15,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Money Market
0.15%
0.15%
Min Balance$5,000
DetailsBalance: $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Money Market
0.03%
0.03%
DetailsBalance: Less than $5,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business AchieveOne Money Market
2.716%
2.75%
Min Balance$1,000,000
DetailsBalance: from $1,000,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
2.472%
2.50%
Min Balance$500,000
DetailsBalance: from $500,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
2.227%
2.25%
Min Balance$200,000
DetailsBalance: from $200,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
1.736%
1.75%
Min Balance$100,000
DetailsBalance: from $100,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
1.687%
1.70%
Min Balance$75,000
DetailsBalance: from $75,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
0.797%
0.80%
Min Balance$50,000
DetailsBalance: from $50,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business AchieveOne Money Market
0.598%
0.60%
Min Balance$25,000
DetailsBalance: from $25,000; Minimum balance of $25,000 to earn stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business Money Market
0.349%
0.35%
Min Balance$25,000
DetailsBalance: $25,000; no minimum balance requirement; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business Money Market
0.25%
0.25%
Min Balance$15,000
DetailsBalance: $15,000; no minimum balance requirement; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business Money Market
0.15%
0.15%
Min Balance$5,000
DetailsBalance: $5,000; no minimum balance requirement; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Business Money Market
0.03%
0.03%
DetailsBalance: Less than $5,000; Balances less than $5,000 receive the same rate as our Primary Share Account; no minimum balance requirement; no monthly service fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.03% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Checking
4.889%
5.00%
DetailsBalance: Up to $7,500
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 0.03% → 5.00% ▲ 4.97 pts · high 5.00% / low 0.03%
Oct 13, 20265.00%▲ from 0.03%
Sep 18, 20260.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage
-
-
7.375%
30 years
DetailsAs Low As; APR* as low as (Choose Your Rate table)
Last Updated10/13/2026
Rate History
3 changes since Sep 18, 2026 · 6.88% → 7.38% ▲ 0.50 pts · high 7.38% / low 6.88%
Oct 13, 20267.38%▲ from 7.25%
Sep 26, 20267.25%▲ from 7.00%
Sep 22, 20267.00%▲ from 6.88%
Sep 18, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans+ - 10 Year Fixed (120 Months)
5.75%
0.00%
6.089%
120 Months
DetailsAs Low As; Payment: $274.42; Based on $25,000 home equity loan, credit score above 740, 80% LTV, 120 months; Owner-occupied Wisconsin properties; Rates include Relationship Rewards pricing for qualifying members; Membership eligibility required
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 10 Year Fixed (120 months)
6.25%
0.00%
6.428%
120 months
DetailsAs Low As; Mortgage Loans; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required
Last Updated10/13/2026
Rate History
1 change since Sep 16, 2026 · 6.09% → 6.43% ▲ 0.34 pts · high 6.43% / low 6.09%
Oct 13, 20266.43%▲ from 6.09%
Sep 16, 20266.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 15 Year Fixed (180 months)
6.625%
0.00%
6.753%
180 months
DetailsAs Low As; Mortgage Loans; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 20 Year Fixed (240 months)
7.125%
0.00%
7.229%
240 months
DetailsAs Low As; Mortgage Loans; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.23% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 30 Year Fixed (360 months)
7.375%
0.00%
7.456%
360 months
DetailsAs Low As; Mortgage Loans; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.46% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loans
-
-
4.49%
Up to 60 Months
DetailsAs Low As; Model Year: 2023 and Newer; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
5.24%
Up to 72 Months
DetailsAs Low As; Model Year: 2023 and Newer; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
5.49%
Up to 48 Months
DetailsAs Low As; Model Year: 2018-2020; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
6.24%
Up to 84 Months
DetailsAs Low As; Model Year: 2023 and Newer; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
6.99%
Up to 24 Months
DetailsAs Low As; Model Year: 2006-2015; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
6.99%
Up to 36 Months
DetailsAs Low As; Model Year: 2016-2017; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Vehicle Loans
-
-
8.99%
Up to 24 Months
DetailsAs Low As; Model Year: 2005 or older; Secured loans (cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, personal watercraft); rate for excellent credit incl. .25% auto-pay and .25% Relationship Rewards discounts; effective Oct 13, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
UnitedOne Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RVs and Boats - Extended Terms Available Loan
-
4.99%
Up to 60 Months
DetailsAs Low As; Model Year: 2023 and newer - 20 ft. minimum for extended terms; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
5.74%
Up to 72 Months
DetailsTerm: Up to 72 Months ($10,000 loan); As Low As; Model Year: 2023 and newer - 20 ft. minimum for extended terms; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
6.49%
Up to 60 Months
DetailsAs Low As; Model Year: 2006-2020; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
7.24%
Up to 72 Months
DetailsTerm: Up to 72 Months ($10,000 loan); As Low As; Model Year: 2006-2020; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
7.49%
Up to 120 Months
DetailsTerm: Up to 120 Months ($10,000 loan); As Low As; Model Year: 2023 and newer - 20 ft. minimum for extended terms; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
7.99%
Up to 180 Months
DetailsTerm: Up to 180 Months (minimum $30,000 loan); As Low As; Model Year: 2023 and newer - 20 ft. minimum for extended terms; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
8.24%
Up to 120 Months
DetailsTerm: Up to 120 Months ($10,000 loan); As Low As; Model Year: 2006-2020; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
8.49%
Up to 60 Months
DetailsAs Low As; Model Year: 2005 and Older; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
RVs and Boats - Extended Terms Available Loan
-
8.99%
Up to 240 Months
DetailsTerm: Up to 240 Months (minimum $50,000 loan); As Low As; Model Year: 2023 and newer - 20 ft. minimum for extended terms; Rate applies to RVs and Boats; excellent credit; includes .25% automatic payment discount and .25% Relationship Rewards discount with $5,000 new money and active UnitedOne checking with direct deposit; first payment may be deferred 90 days on select RV/Boat loans
DetailsAs Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Tuesday, October 13th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 9.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
IMAGINE Loans
-
-
10.49%
Up to 48 Months
DetailsAs Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Tuesday, October 13th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 10.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
IMAGINE Loans
-
-
12.49%
Up to 72 Months
DetailsAs Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Tuesday, October 13th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount; Membership Eligibility Required
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 12.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Kwik Cash Line of Credit
-
-
10.50%
DetailsAs Low As; Payment Terms: The greater of $16.00 or 4.000% of the balance at the time of the last advance; Overdraft protection, credit card payoffs, miscellaneous expenses; Rates determined by personal credit history; Membership Eligibility Required; Effective Date: October 13, 2026
Last Updated10/13/2026
Rate History
No change since Sep 16, 2026 · 10.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Dream Account
0.15%
-
0.15%
Min Balance$1
DetailsOther fees may apply
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
eXtreme Fundz (ages 12-17)
0.03%
-
0.03%
Min Balance$25
DetailsAges: 12-17
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Primary Share
0.03%
-
0.03%
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.62%
Financial Health History
UnitedOne Credit Union’s Texas Ratio rose from 1.04% in Q3 2023 to 1.62% in Q2 2026, so its financial health has stayed 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.
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
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
$348M
1.62%
5.0
A+
March 31, 2026
$337M
0.62%
5.0
A+
December 31, 2025
$329M
2.12%
5.0
A+
September 30, 2025
$321M
0.67%
5.0
A+
June 30, 2025
$318M
1.38%
5.0
A+
March 31, 2025
$316M
0.45%
5.0
A+
December 31, 2024
$307M
1.79%
5.0
A+
September 30, 2024
$310M
1.56%
5.0
A+
June 30, 2024
$311M
1.32%
5.0
A+
March 31, 2024
$310M
0.64%
5.0
A+
December 31, 2023
$303M
1.42%
5.0
A+
September 30, 2023
$303M
1.04%
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 UnitedOne 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 UnitedOne 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 UnitedOne Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,389,556
Total Uninsured Shares and Deposits > $250K (F+J)
17,389,556
Total Insured Shares and Deposits > $250K (item 17 less item K)
265,286,581
Total Interest Expense (Sum of items 6 8)
1,933,329
Share Certificates
1,370
Number of Accounts for Share Drafts
14,478
IRA KEOGH Accounts
771
Number of Accounts for Regular Shares
25,651
Money Market Shares
1,050
Net Income (unless the amount is already included in Undivided Earnings)
1,608,323
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)
8,773,787
Total Liabilities
309,063,242
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
UnitedOne 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.
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 UnitedOne Credit Union
How many branches does UnitedOne Credit Union operate?
UnitedOne 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 UnitedOne Credit Union?
Yes, to access services at UnitedOne 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, UnitedOne 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, UnitedOne Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does UnitedOne Credit Union offer online and mobile banking?
Most modern institutions like UnitedOne 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.unitedone.org.
Current UnitedOne Credit Union Rates
12-Month CD2.75%
18-Month CD2.60%
24-Month CD2.70%
Savings0.03%
MMA2.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
