United Community CU (TX)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.unitedccu.com

713-674-5778

13700 W Sam Houston Parkway N
Houston, TX 77044

United Community CU (TX) is headquartered in Houston and is the 132^nd largest credit union in the state of Texas. It is also the 1,616^th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 50 employees and 13,724 members at 4 locations. United Community CU (TX)'s CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

United Community Credit Union is open to those who live, work, worship, or attend school in the East Houston areas of Atascocita, Channelview, Crosby, Galena Park, Highlands, Huffman, Humble, Jacinto City, North Shore, Sheldon, or Summerwood.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68369
Year Chartered	1950
Employees	50
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	4.98%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$128.4MM$121.4MM
Loans	Q1 2025vs Q1 2024	$91MM$95MM
Deposits	Q1 2025vs Q1 2024	$114.6MM$110.5MM
Equity Capital	Q1 2025vs Q1 2024	$13.5MM$10.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$927K$1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.5MM$910K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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

United Community CU (TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Savings Account
OTHER TIERS: 0.05% → $500 - $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $25k

United Community CU (TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%	$1k	-	6 Month CD
3.50%	$1k	-	12 Month CD
3.35%	$1k	-	18 Month CD
3.25%	$1k	-	24 Month CD
3.05%	$1k	-	36 Month CD
3.00%	$1k	-	48 Month CD
3.00%	$1k	-	60 Month CD

United Community CU (TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%	$1k	-	6 Month IRA
3.50%	$1k	-	12 Month IRA
3.35%	$1k	-	18 Month IRA
3.25%	$1k	-	24 Month IRA
3.05%	$1k	-	36 Month IRA
3.00%	$1k	-	48 Month IRA
3.00%	$1k	-	60 Month IRA

Locations

United Community CU (TX) Locations
Branch Office	771 Normandy St	Houston, TX 77015-3467
Branch Office	14028 FM 2100 Rd	Crosby, TX 77532
Branch Office	1700 16th St	Galena Park, TX 77547
Corporate Office	13700 E Sam Houston Parkway N	Houston, TX 77044

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