Credit union · NCUA insured
United Credit Union
A $30M credit union headquartered in Tyler, TX, with 2,088 members and 1 branch in Texas. Best rates: CDs 3.40% and savings 0.05% APY.
United Credit Union Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#17 of 18 in Tyler, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Credit Union
United Credit Union was founded in 1932 by a group of postal employees and began operations in the basement of the Tyler, Texas post office.
Based in East Texas, the credit union serves Smith County along with specified postal zip codes in Van Zandt and Wood counties.
- Headquarters
- 4901 Old Jacksonville Hwy, Tyler, TX 75703-3373
- NCUA charter
- 67587
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Smith County are eligible for membership.
- Individuals who live, work, worship, or attend school in Van Zandt County serviced by zip codes 75103, 75140, 75754, 75790, 75124 (Van Zandt county portion only), or 75752 (Van Zandt county portion only) are eligible for membership.
- Individuals who live, work, worship, or attend school in Wood County serviced by zip codes 75765 (Hawkins) or 75773 (Mineola) are eligible for membership.
Military, government and schools
- Employed or retired USPS or Federal employees in Smith, Upshur, Van Zandt, or Wood County are eligible for membership.
Branches
1 branch in Texas
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Texas
1 branch
- United Credit UnionMain office4901 Old Jacksonville Hwy, Tyler, TX 75703Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.07% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.64% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio7.07%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.64%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.