United SA Federal Credit Union

United SA Federal Credit Union Locations
5500 UTSA Boulevard
San Antonio, TX 78249
1-800-531-8456
www.unitedsafcu.org



United SA Federal Credit Union is headquartered in San Antonio and is the 67th largest credit union in the state of Texas. It is also the 814st largest credit union in the nation. It was established in 1955 and as of September of 2011, it had grown to 81 employees and 28,467 members. United SA Federal Credit Union's savings rates are 5X the national average, and it has a 4-star health rating.

Related Posts

Special 3-Year CD Rate at United SA Federal Credit Union in San Antonio - Local Only - 2/23/2011

United SA Federal Credit Union is offering two special share certificate rates. The special 3-year CD rate is the most competitive with a 2.32% APY. The other one is a 1.56% APY 2-year CD. These rates ...

Top Long-Term CD Rates Continue at United SA Federal Credit Union in Texas - Local Only - 11/21/2010

United SA Federal Credit Union continues to offer competitive long-term CD and IRA CD rates. The best one is a 3.04% APY 5-year CD. The rates for the shorter terms have gone down a bit since my Septem ...

Top Long-Term CD Rates at United SA Federal Credit Union in TX - Local Only - 9/23/2010

United SA Federal Credit Union is offering some competitive long-term CD and IRA CD rates. The best ones include a 3.04% APY 5-year CD and a 2.38% APY 3-year CD. Minimum deposit is $500. These rates a ...

5.00% 24-Month CD at a Texas Credit Union (United SA). - 2/26/2008

United SA Federal Credit Union is offering a special 5.00% APY 24-month certificate. The minimum deposit is $500, and it must be new money. It's only available at their new 1604/Braun Branch. It's scheduled to last through February 29, 2008. Credit for...

2007




See Rates for: Checking | Savings | Money Market | CD | IRA

United SA Federal Credit Union Checking Account Rates

ApyMinMaxProduct
1.25%-$25kPremium Reward Checking
0.30%$1k-PLUS Business Checking
0.10%$2k-Checking

United SA Federal Credit Union Savings Account Rates

ApyMinMaxProduct
2.53%$1k-Health Savings Account
1.00%$500$15kChristmas Club Account
1.00%$500$15kVacation Club Account
1.00%$50k-Business Rate Savings
0.50%--Traditional IRA Savings Account
0.50%--Education Savings Account
0.50%--Roth IRA Savings Account
0.30%$40k-Business Savings
0.25%$500-Liquid Asset Account
0.20%$40k-Savings

United SA Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.30%$80k-Money Market

United SA Federal Credit Union CD Rates

ApyMinMaxProduct
2.27%$500-5 Year CD
2.27%$500-60 Month Business CD
1.76%$500-4 Year CD
1.76%$500-48 Month Business CD
1.51%$500-3 Year CD
1.51%$500-36 Month Business CD
1.00%$100k-1 Year Jumbo CD
1.00%$500-2 Year CD
1.00%$500-24 Month Busiiness CD
1.00%$100k-12 Month Jumbo Business CD
0.90%$500-18 Month Special CD
0.90%$500-18 Month Business CD Special
0.80%$500-1 Year CD
0.80%$500-12 Month Business CD
0.60%$500-9 Month Special CD
0.60%$500-9 Month Business CD Special
0.55%$100k-6 Month Jumbo CD
0.55%$100k-6 Month Jumbo Business CD
0.50%$500-6 Month CD
0.50%$500-6 Month Business CD
0.45%$100k-3 Month Jumbo CD
0.45%$100k-3 Month Jumbo Business CD
0.40%$100k-2 Month Jumbo CD
0.40%$500-3 Month CD
0.40%$500-3 Month Business CD
0.40%$100k-2 Month Jumbo Business CD
0.20%$500-2 Month CD
0.20%$500-2 Month Business CD

United SA Federal Credit Union IRA Rates

ApyMinMaxProduct
2.27%$500-5 Year IRA
2.27%$500-5 Year Roth IRA
1.76%$500-4 Year IRA
1.76%$500-4 Year Roth IRA
1.51%$500-3 Year IRA
1.51%$500-3 Year Roth IRA
1.00%$500-2 Year IRA
1.00%$500-2 Year Roth IRA
0.90%$500-18 Month Special IRA
0.90%$500-18 Month Special Roth IRA
0.80%$500-1 Year IRA
0.80%$500-1 Year Roth IRA
0.60%$500-9 Month Special IRA
0.60%$500-9 Month Special Roth IRA
0.50%$500-6 Month IRA
0.50%$500-6 Month Roth IRA
0.40%$500-3 Month IRA
0.40%$500-3 Month Roth IRA
0.20%$500-2 Month IRA
0.20%$500-2 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


UNITED SAN ANTONIO COMMUNITY
NCUA #10245
BankRate ReportView
Year Established1955
Employees81
Primary Regulator

Assets and Liabilities

Assets$217.05 million
Loans$160.37 million
Deposits$194.50 million
Equity Capital$19.18 million
Loan Loss Allowance$890,000
Unbacked Noncurrent Loans$1.62 million

Historic Data - September 2010

Assets$220.78 million
Equity Capital$20.47 million
Loan Loss Allowance$954,000
Unbacked Noncurrent Loans$6.73 million

Profit Margin - Quarterly

Net Interest Margin3.67%
Return on Assets-0.3%
Return on Equity-3.36%
Interest Income$7.36 million
Non-Interest Income$2.28 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 United SA Federal Credit Union had $1.62 million in non-current loans and owned real-estate with $20.07 million in equity and loan loss allowances on hand to cover it. This gives United SA Federal Credit Union a Texas Ratio of 8.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for United SA Federal Credit Union decreased significantly from 31.43% as of September 30, 2010 to 8.09% as of September 30, 2011, resulting in a positive change of 74.25%.This indicates that the balance sheet and financial strength for United SA Federal Credit Union has improved significantly in recent periods.
Deposit Growth4
In the past year, United SA Federal Credit Union has increased its total deposits by $4.57 million, resulting in 2.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United SA Federal Credit Union has shown is above average.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United SA Federal Credit Union has $217.05 million in assets with $20.07 million in equity, resulting in a capitalization level of 9.25%, which is average.
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