What are the current interest rates at Universal Federal Credit Union?

Current rates for Universal Federal Credit Union include: 12-Month CD: 3.56%, 24-Month CD: 2.52%, Savings: 0.05%

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Universal Federal Credit Union

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Universal Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Universal 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 31, 2026

Universal Federal Credit Union's 12 Month rates are at 3.56%, 24 Month rates are at 2.52%, 6 Month rates are at 1.51%, 48 Month rates are at 0.50%, 36 Month rates are at 0.45%. Universal Federal Credit Union's savings rates are at 0.05%. Universal Federal Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Universal Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.08%. Rates last updated and verified on 08/31/2026.

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

Verified Healthy 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

0.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Universal Federal Credit Union
Main Office

317 31st ST
Huntington, WV 25702-1417

https://www.universalfcu.com

Universal Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month	3.50%	3.56%	12 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
24 Month	2.50%	2.52%	24 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
6 Month	1.50%	1.51%	6 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
48 Month	0.50%	0.50%	48 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
36 Month	0.45%	0.45%	36 months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Universal Federal Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share / Special Savings Account	0.05%	0.05%
Min Balance $100 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Universal Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle Loan	-	-	4.75%
Details Rates may be as low as; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
Used Vehicle Loan	-	-	7.50%
Details Rates may be as low as; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Universal Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Lending Loan	10.00%
Details Rates may be as low as; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

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

Universal Federal Credit Union’s Texas Ratio stayed near 0.19% in Q2 2023 to 0.08% in Q1 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; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

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
March 31, 2026	$97M	0.08%	5.0	A+
December 31, 2025	$95M	0.38%	5.0	A+
September 30, 2025	$95M	0.47%	5.0	A+
June 30, 2025	$97M	0.78%	5.0	A+
March 31, 2025	$96M	0.29%	5.0	A+
December 31, 2024	$93M	0.53%	5.0	A+
September 30, 2024	$92M	0.91%	5.0	A+
June 30, 2024	$94M	2.51%	5.0	A+
March 31, 2024	$93M	1.34%	5.0	A+
December 31, 2023	$90M	0.40%	5.0	A+
September 30, 2023	$90M	0.45%	5.0	A+
June 30, 2023	$93M	0.19%	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 Universal 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 Universal 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 Universal Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Universal Federal Credit Union

Website https://www.universalfcu.com

Address 317 31st ST, Huntington, WV 25702-1417

Phone 304-697-2919

Fax 304-522-3177

President William Smith

CEO Jason Hutchinson

Full-Time Employees 17

Part-Time Employees 3

Branch Locations 3

ATM Locations 2

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

0.08%

Return on Assets (ROA)

0.0763%

Return on Equity (ROE)

0.5784%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

97,177,132

Total Amount of Shares and Deposits

85,486,191

Total Shares and Deposits < 1 Year

85,193,555

Total Shares and Deposits 1 3 Years

292,636

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

3,315,021

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

3,315,021

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

82,171,170

Total Interest Expense (Sum of items 6 8)

105,159

Share Certificates

203

Number of Accounts for Share Drafts

3,557

IRA KEOGH Accounts

115

Number of Accounts for Regular Shares

6,753

All other shares

800

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)

6,614,630

Total Liabilities

84,156,464

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Universal Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Universal Federal Credit Union

How many branches does Universal Federal Credit Union operate?

Universal 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 Universal Federal Credit Union?

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

Does Universal Federal Credit Union offer online and mobile banking?

Most modern institutions like Universal 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.universalfcu.com.