United Texas Credit Union

Overview / Commentary
5500 UTSA Blvd
San Antonio, TX 78249-1622

United Texas Credit Union is headquartered in San Antonio and is the 69th largest credit union in the state of Texas. It is also the 829th largest credit union in the nation. It was established in 1955 and as of March of 2024, it had grown to 59 employees and 22,865 members at 6 locations. United Texas Credit Union's savings rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school, and businesses and legal entities in the Texas counties of Bexar, Kendall, Tarrant, and the portion of Comal County that lies west of U.S. Highway 281. Members of Friends of Consumer Freedom living in Tarrant, Denton, or Johnson Counties also qualify for membership.
See current membership details

Reviews (5)

One Of The Very Best Credit Unions!

Posted by: |

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. 

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!

Certified Checks

Made a CERTIFIED CHECK deposit to one of their sister credit unions and now have to wait 12 days from deposit before I can access my money. First I'm told it's because they can't see an image of the check.... When asked if they requested an image they couldn't seem to respond....Then I'm told it's because a stop pay could be put on the Certified check...... Then I'm told they have to receive notice from the Federal Reserve that the check is good.....Asked to speak to a Supervisor and was refused.....I've banked with them in one iteration or another for 29 years and this is the kind of service I get. Can't imagine how they treat new customers.

Overall Rating

I have been with this bank for over a year now and have been completely unsatisfied. I have never felt so unprotected in my history of dealing with banks. I came to a credit union so I could get that extra protection I needed from scans and fraud. This specific bank fails to ever help me with any matter they have always let me down. It's quite upsetting. They have some good people who work here but overall I don't feel that this bank is here to help and protect me against fraud or anything of that nature.

Check Cashing Fee

Posted by: |

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.



Health Grade Components

NCUA #97107
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD5.77%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$417.9MM$404.1MM
LoansQ1 2024vs Q1 2023$313.5MM$307MM
DepositsQ1 2024vs Q1 2023$375.9MM$366.8MM
Equity CapitalQ1 2024vs Q1 2023$26.1MM$21.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.4MM$1.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$625K$1.3MM
Real Estate OwnedQ1 2024vs Q1 2023$230K$0
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Always verify rates and promotions with the bank or credit union. We are not United Texas 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.

United Texas Credit Union Savings Account Rates

3.82%*$2.5k*-Liquid Asset Account - New Money
OTHER TIERS: 0.15% $0 - $2.5k
0.30%*$5k*-Health Savings Account
OTHER TIERS: 0.20% $100 - $5k
0.30%$100-IRA Savings Account
0.25%*$50k*-Business Special Savings
OTHER TIERS: 0.05% $0 - $7.5k | 0.15% $7.5k - $50k
0.20%$5-Christmas Club Account
0.20%$5-Vacation Club Account
0.15%*$40k*-Business Savings
OTHER TIERS: 0.05% $0 - $7k | 0.10% $7k - $40k
0.15%$5-Kids Club
0.15%$5-Teens Club
0.15%$5-Young Adults Club

United Texas Credit Union Money Market Rates

1.00%*$2.5k*-Money Market
OTHER TIERS: 0.75% $0 - $2.5k

United Texas Credit Union Checking Account Rates

0.15%$1k-PLUS Business Checking

United Texas Credit Union CD Rates

5.30%$25k-6 Month Teens Club CD Special
5.30%$25k-6 Month CD Special
5.30%$25k-Business 6 Month CD Special
4.07%$500-12 Month CD
4.07%$500-Business 12 Month CD
4.07%$500-12 Month Teens Club CD
3.82%$500-6 Month CD
3.82%$500-Business 6 Month CD
3.82%$500-6 Month Teens Club CD
2.78%$500-24 Month CD
2.78%$500-Business 24 Month CD
2.78%$500-24 Month Teens Club CD
2.53%$500-48 Month CD
2.53%$500-60 Month CD
2.53%$500-Business 48 Month CD
2.53%$500-Business 60 Month CD
2.53%$500-48 Month Teens Club CD
2.53%$500-60 Month Teens Club CD
2.27%$500-36 Month CD
2.27%$500-Business 36 Month CD
2.27%$500-36 Month Teens Club CD

United Texas Credit Union IRA Rates

5.30%$25k-6 Month Teens Club IRA Special
5.30%$25k-6 Month IRA Special
4.07%$500-12 Month IRA
4.07%$500-12 Month Teens Club IRA
3.82%$500-6 Month IRA
3.82%$500-6 Month Teens Club IRA
2.78%$500-24 Month IRA
2.78%$500-24 Month Teens Club IRA
2.53%$500-48 Month IRA
2.53%$500-60 Month IRA
2.53%$500-48 Month Teens Club IRA
2.53%$500-60 Month Teens Club IRA
2.27%$500-36 Month IRA
2.27%$500-36 Month Teens Club IRA

United Texas Credit Union Locations
Corporate Office5500 UTSA BlvdSan Antonio, TX 78249
Branch Office10023 W Loop 1604 NSAN ANTONIO, TX 78254
Branch Office1440 S MAIN STBOERNE, TX 78006
Branch Office2595 POLARIS DRFORT WORTH, TX 76137-4208

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