Union Square Credit Union


Overview / Commentary
940-720-8000
1401 Holliday St
Wichita Falls, TX 76301

Union Square Credit Union is headquartered in Wichita Falls and is the 55th largest credit union in the state of Texas. It is also the 634th largest credit union in the nation. It was established in 1957 and as of March of 2024, it had grown to 138 employees and 37,232 members at 4 locations. Union Square Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Union Square Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Archer, Baylor, Clay, Wichita, or Wilbarger, or the Oklahoma counties of Cotton or Tillman. Texas residents who join either the Texas Consumer Council or the American Red Cross-North Texas Region are eligible to join, as are Oklahoma residents who join the American Red Cross-Oklahoma Region.
See current membership details

Reviews (3)

Union Square Kasasa Cash Account

I've had and used the Union Square Kasasa Cash account for some time. The rules to qualify for the current 6% rewards checking interest rate are very clear, and the credit union has applied them fairly and accurately, at least for my account. When I meet the requirements, I get the 6% interest rate on the balance in my account up to the $35K limit. I've had no problems with this account or this credit union, and would recommend it to others.

Rate Changes Effective March 1, 2024

Posted by: |

I just got an email notification that Union Square FCU is changing their Kasasa Checking account rates and cap from: $35K to $25k. Interest rates drop from 6,01% to 4.50% APY. Over $25k rate drops from 1.50% to 0.75% APY.

Not happy about this, but at least they informed the customers in advance.

Kasasa Cash Checking Account

Posted by: |

The effective APY as of 7/1/2023 for this account is 6.01 APY up to $35,000 if the following requirements are met:
1. 1 direct deposit, ACH credit, or ACH payment transaction post and settle each monthly qualification cycle
2. 12 debit card purchases post and settle each monthly qualification cycle
3. Be enrolled in online banking and receive statements electronically.
However there is some fine print in the Kasasa Accounts Truth in Savings Disclosure that USCU will determine if you qualify for this rate. Read carefully to determine if this account is for you!



Health
B+

Health Grade Components

Overall
NCUA #68664
Year Chartered1957
Employees138
Primary Regulator
Profit Margin
Return on Assets - YTD-0.38%
Return on Equity - YTD-5.2%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$637.6MM$670.3MM
LoansQ1 2024vs Q1 2023$512.6MM$568.7MM
DepositsQ1 2024vs Q1 2023$557.2MM$569.3MM
Equity CapitalQ1 2024vs Q1 2023$46.6MM$51MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.1MM$1.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.4MM$3.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Union Square Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Union Square Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$0$50kKasasa Saver
OTHER TIERS: 0.50% $50k+
0.15%$0-HSA Checking
0.10%$25-Regular Share
0.10%$0-IRA Share

Union Square Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$500k*-Money Market
OTHER TIERS: 1.01% $2.5k - $25k | 1.26% $25k - $100k | 1.51% $100k - $500k

Union Square Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$0$35kKasasa Cash
OTHER TIERS: 0.50% $35k+

Union Square Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$1k-6 Month CD
4.28%$1k-1 Year CD
4.08%$1k-2 Year CD
3.30%$1k-3 Year CD
3.30%$1k-4 Year CD
3.30%$1k-5 Year CD
3.30%$1k-18 Month CD
2.88%$1k-91 Day CD

Union Square Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$1k-6 Month IRA
4.28%$1k-1 Year IRA
4.08%$1k-2 Year IRA
3.30%$1k-18 Month IRA
3.30%$1k-3 Year IRA
3.30%$1k-4 Year IRA
3.30%$1k-5 Year IRA
2.88%$1k-91 Day IRA
Locations


Union Square Credit Union Locations
Branch Office1401 Holliday StWichita Falls, TX 76301-7108
Branch Office427 2nd Ave Bldg 212Sheppard AFB, TX 76311-3040
Branch Office909 W Kramer RdBurkburnett, TX 76354-2641
Branch Office2903 Kemp BlvdWichita Falls, TX 76308-1016

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