U$X Federal Credit Union

Overview / Commentary

www.usxfcu.org

888-219-3159

1293 Freedom Rd
Cranberry Twp, PA 16066

U$X Federal Credit Union is headquartered in Cranberry Twp and is the 32^nd largest credit union in the state of Pennsylvania. It is also the 1,046^th largest credit union in the nation. It was established in 1938 and as of September of 2021, it had grown to 58 employees and 22,094 members at 8 locations. U$X Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership to U$X Federal Credit Union is open to individuals (and their immediate family members) who work for or a member of one of the 780 Preferred Partner Groups.
See current membership details

Reviews (1)

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Shifting from PNC to USXFCU

Posted by: Annonizzi | Dec 9, 2017

Initially while banking with a larger institution in the greater Pittsburgh area I was hit with outrageous fees that hampered my ability to save money. A few colleagues suggested I investigate the USXFCU and as an employee I was welcomed in the door and treated like a person not a commodity. Because I was a new employee in the workforce out of college, I didn't have sufficient credit to command good APR offers at my previous bank and would have paid outrageous interest on investments into my future. At the USXFCU I was able to secure a great home and auto loan so that I could continue to build great credit.

It was easy for me to find a financial advisor that fit my needs and dealt with people in my income bracket, age bracket and other demographics. This made the transition all the easier.

Recently I've been earning the same kinds of 'points' I'd be getting with a major bank and major credit card of any kind. I'd recommend USXFCU without hesitation, or to check out their local banks and FCUs for competitive rates and to be treated like a person.

Comment

Health

A+

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	2740
Year Chartered	1938
Employees	58
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	2.96%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$264.9MM$246.6MM
Loans	Q3 2021vs Q3 2020	$141.3MM$147.7MM
Deposits	Q3 2021vs Q3 2020	$234.2MM$215.9MM
Equity Capital	Q3 2021vs Q3 2020	$29.8MM$29.7MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$951.00K$1.2MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$636.00K$900.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not U$X Federal 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.

U$X Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$500	Dollar Dog Youth Savings
OTHER TIERS: 0.05% → $500+
1.00%^*	-	$500	cha-ching Youth Savings
OTHER TIERS: 0.05% → $500+
1.00%^*	-	$500	The edge Youth Savings
OTHER TIERS: 0.05% → $500+
0.05%	-	-	Regular Shares
0.05%	-	-	IRA Shares
0.05%	-	-	Holiday Club Account
0.05%	-	-	Club Savings

U$X Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	IMMA Shares
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k

U$X Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	-	-	Members Plus Checking

U$X Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$25k^*	-	60 Month Share Certificate
OTHER TIERS: 0.35% → $500 - $10k \| 0.40% → $10k - $25k
0.45%^*	$25k^*	-	48 Month Share Certificate
OTHER TIERS: 0.30% → $500 - $10k \| 0.35% → $10k - $25k
0.40%^*	$25k^*	-	36 Month Share Certificate
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $25k
0.35%^*	$25k^*	-	24 Month Share Certificate
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $25k
0.30%^*	$25k^*	-	12 Month Share Certificate
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $25k
0.25%^*	$25k^*	-	6 Month Share Certificate
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k

U$X Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$25k^*	-	60 Month IRA Certificate
OTHER TIERS: 0.35% → $500 - $10k \| 0.40% → $10k - $25k
0.45%^*	$25k^*	-	48 Month IRA Certificate
OTHER TIERS: 0.30% → $500 - $10k \| 0.35% → $10k - $25k
0.40%^*	$25k^*	-	36 Month IRA Certificate
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $25k
0.35%^*	$25k^*	-	24 Month IRA Certificate
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $25k
0.30%^*	$25k^*	-	12 Month IRA Certificate
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $25k

Locations

U$X Federal Credit Union Locations
Branch Office	1038 Interstate Ct	Findlay, OH 45840
Branch Office	565 Coal Valley Rd	Jefferson Hills, PA 15025
Branch Office	479 N Pike Rd	Sarver, PA 16055
Branch Office	539 S Main St	Findlay, OH 45840
Branch Office	PO Box 1728	Cranberry Twp, PA 16066-0728
Branch Office	100 Bair Blvd	New Stanton, PA 15672
Branch Office	55 S Washington Ave	Greensburg, PA 15601
Branch Office	400 Frankfort Rd	Monaca, PA 15061

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