3.5 star ratingAverage User Rating:
3.5 star rating based on 3 reviews.

United SA Federal Credit Union

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

NCUA


United SA Federal Credit Union is headquartered in San Antonio and is the 69th largest credit union in the state of Texas. It is also the 836th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 76 employees and 27,887 members. United SA Federal Credit Union's savings rates are 3X the national average, and it has a 3-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
0.50%-$25kPremium Reward Checking
0.25%$1k-PLUS Business Checking
0.10%$2k-Checking

United SA Federal Credit Union Savings Account Rates

ApyMinMaxProduct
1.51%$1k-Health Savings Account
0.50%$500$15kChristmas Club Account
0.50%$500$15kVacation Club Account
0.25%--Traditional IRA Savings Account
0.25%--Education Savings Account
0.25%--Roth IRA Savings Account
0.25%$50k-Business Rate Savings
0.20%$40k-Business Savings
0.15%$500-Liquid Asset Account
0.10%$40k-Savings

United SA Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.10%$90k-Money Market

United SA Federal Credit Union CD Rates

ApyMinMaxProduct
1.51%$500-60 Month CD
1.51%$500-60 Month Business CD
1.26%$500-48 Month CD
1.26%$500-48 Month Business CD
1.00%$500-36 Month CD
1.00%$500-36 Month Business CD
0.75%$500-24 Month CD
0.75%$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
0.45%$500-12 Month CD
0.45%$500-12 Month Business CD
0.40%$500-9 Month Special CD
0.40%$500-9 Month Business CD Special
0.35%$100k-6 Month Jumbo 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

ApyMinMaxProduct
1.51%$500-60 Month IRA
1.51%$500-60 Month Roth IRA
1.26%$500-48 Month IRA
1.26%$500-48 Month Roth IRA
1.00%$500-36 Month IRA
1.00%$500-36 Month Roth IRA
0.75%$500-24 Month IRA
0.75%$500-24 Month Roth IRA
0.60%$500-18 Month Special IRA
0.60%$500-18 Month Special Roth IRA
0.45%$500-12 Month IRA
0.45%$500-12 Month Roth IRA
0.40%$500-9 Month Special IRA
0.40%$500-9 Month Special Roth IRA
0.30%$500-6 Month IRA
0.30%$500-6 Month Roth IRA
0.20%$500-3 Month IRA
0.20%$500-3 Month Roth IRA
0.10%$500-2 Month IRA
0.10%$500-2 Month Roth IRA

Rates updated: 5/25/2013

Data for Q4 2012


Institution Statistics


UNITED SAN ANTONIO COMMUNITY
NCUA #10245
BankRate ReportView
Year Chartered1955
Employees76
Primary Regulator

Assets and Liabilities

Assets$221.72 million
Loans$174.31 million
Deposits$201.83 million
Equity Capital$17.05 million
Loan Loss Allowance$1.60 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$4.31 million

Historic Data - December 2011

Assets$218.95 million
Equity Capital$17.28 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$5.53 million

Profit Margin - Quarterly

Net Interest Margin4.45%
Return on Assets-0.51%
Return on Equity-6.68%
Interest Income$9.46 million
Non-Interest Income$2.06 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 December 31, 2012 United SA Federal Credit Union had $6.53 million in non-current loans and owned real-estate with $18.66 million in equity and loan loss allowances on hand to cover it. This gives United SA Federal Credit Union a Texas Ratio of 35.02% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for United SA Federal Credit Union held steady from 37.22% as of December 31, 2011 to 35.02% as of December 31, 2012, resulting in a positive change of 5.90%.This indicates that the balance sheet and financial strength for United SA Federal Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, United SA Federal Credit Union has increased its total deposits by $3.32 million, resulting in 1.67% 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 $221.72 million in assets with $18.66 million in equity, resulting in a capitalization level of 8.41%, which is average.
Write Review

One Of The Very Best Credit Unions!
5 stars - nicke - Friday, June 22, 2012 - 12:33 PM

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. 

2

Check Cashing Fee
1 stars - miruegas - Thursday, September 27, 2012 - 11:47 AM

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

1

Great Credit Union!
5 stars - stratus021 - Saturday, March 10, 2012 - 11:42 AM

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!

1