Credit union · NCUA insured
United Credit Union Savings Rates
United Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Share Savings. Rates checked October 16, 2026.
How United Credit Union’s savings rates compare
Compared with banks and credit unions near Tyler, TX, where United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Credit Union
0.05%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $5
Regular Share Savings
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
United Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Savings
0.05%APY
Start credit union membership; opening deposit of $25.00 includes minimum required balance of $20.00 plus a joining fee. If age 60+, automatically enrolled in Senior Share Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upShares 01,02,03$20 and up | 0.05% | $5 | Shares 01,02,03 |
Special-purpose accounts
IRA Shares
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Who can join United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.