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210-561-4500
5500 UTSA Blvd
San Antonio, TX 78249

United SA Federal Credit Union is headquartered in San Antonio and is the 73rd largest credit union in the state of Texas. It is also the 864th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 61 employees and 26,576 members. United SA Federal Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Eligible persons are those who live, work (or regularly conduct business), worship, or attend school, and businesses and other legal entities located in Bexar County, Texas. - See Details

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Reviews (3)

One Of The Very Best Credit Unions!

My experience of United SA FCU is excellent. Great customer service, personal, fast and efficient. They also have great rates on loans. You will feel well taken care about here.Way much better experience than with the big banks that just see you as an account not a person. 

Check Cashing Fee

I don't bank with United FCU, But a good friend of mine does and he wrote me a check for $150. I drove to the teller window and they said I had to go inside. I was to surprise they were charging me $6.00 because I am not a member. I thought it was ridiculous from a supposedly consumer oriented financial institution. I bank with Wells Fargo and they have no such fee, account holder or not.

Manny

Great Credit Union!

I love banking with united Sa they are great place to do my banking. I go to the branch in the medical center area and they are great. I am so happy to bank with them!



Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United SA Federal Credit Union had $1.29 million in non-current loans and owned real-estate with $18.63 million in equity and loan loss allowances on hand to cover it. This gives United SA Federal Credit Union a Texas Ratio of 6.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for United SA Federal Credit Union decreased dramatically from 22.55% as of March 31, 2013 to 6.94% as of March 31, 2014, resulting in a positive change of 69.22%.This indicates that the balance sheet and financial strength for United SA Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, United SA Federal Credit Union has decreased its total deposits by -$5.91 million, resulting in -2.81% 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 below average.

Capitalization

GRADE:
C

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 $223.76 million in assets with $18.63 million in equity, resulting in a capitalization level of 8.33%, which is average.

Institution Statistics

Overall
NCUA #10245
Year Chartered1955
Employees61
Primary Regulator
Assets and Liabilities
Assets$223.76 million
Loans$156.96 million
Deposits$204.67 million
Equity Capital$17.28 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$640,000
Real Estate Owned$653,000
Historic Data - March 2013
Assets$229.77 million
Equity Capital$17.32 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$640,000
Real Estate Owned$3.18 million
Profit Margin - Quarterly
Net Interest Margin1.03%
Return on Assets-0.11%
Return on Equity-1.48%
Interest Income$1.85 million
Rates

Always verify rates and promotions with the bank or credit union. We are not United SA Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

United SA Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-Health Savings Account
0.35%$500$15kChristmas Club Account
0.35%$500$15kVacation Club Account
0.25%--Traditional IRA Savings Account
0.25%--Education Savings Account
0.25%--Roth IRA Savings Account
0.15%$500-Liquid Asset Account
0.15%$50k-Business Rate Savings
0.10%$40k-Business Savings
0.05%--Savings

United SA Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.05%$50k-Money Market

United SA Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%-$25kPremium Reward Checking - Qualifying
0.25%$1k-PLUS Business Checking
0.05%--Checking

United SA Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.41%$500-60 Month CD
1.41%$500-60 Month Business CD
1.00%$500-48 Month CD
1.00%$500-48 Month Business CD
0.90%$500-36 Month CD
0.90%$500-36 Month Business CD
0.65%$500-24 Month CD
0.65%$500-24 Month Busiiness CD
0.60%$100k-12 Month Jumbo CD
0.60%$500-18 Month Special CD
0.60%$100k-12 Month Jumbo Business CD
0.60%$500-18 Month Business CD Special
0.40%$500-9 Month Special CD
0.40%$500-9 Month Business CD Special
0.35%$100k-6 Month Jumbo CD
0.35%$500-12 Month CD
0.35%$500-12 Month Business CD
0.35%$100k-6 Month Jumbo Business CD
0.30%$100k-3 Month Jumbo CD
0.30%$500-6 Month CD
0.30%$500-6 Month Business CD
0.30%$100k-3 Month Jumbo Business CD
0.20%$100k-2 Month Jumbo CD
0.20%$500-3 Month CD
0.20%$500-3 Month Business CD
0.20%$100k-2 Month Jumbo Business CD
0.10%$500-2 Month CD
0.10%$500-2 Month Business CD

United SA Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.41%$500-60 Month IRA
1.00%$500-48 Month IRA
0.90%$500-36 Month IRA
0.65%$500-24 Month IRA
0.60%$500-18 Month Special IRA
0.40%$500-9 Month Special IRA
0.35%$500-12 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA
0.10%$500-2 Month IRA
Locations


United SA Federal Credit Union Locations
Branch Office7318 LOUIS PASTEUR DRSAN ANTONIO, TX 78229
Branch Office4301 BROADWAY ST ADMIN BLDGSAN ANTONIO, TX 78209
Branch Office5500 UTSA BlvdSan Antonio, TX 78249
Branch Office1440 S MAIN STBOERNE, TX 78006
Branch Office9910 W LOOP 1604 N STE 129SAN ANTONIO, TX 78254
Branch Office21038 US HIGHWAY 281 N STE 100SAN ANTONIO, TX 78258
Branch Office2800 THOUSAND OAKS DRSAN ANTONIO, TX 78232