United Community Credit Union

Headquarters

Po Box 1207
Quincy, IL 62306
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 1.02% →
1-Year CD 0.40% 2.26% →
2-Year CD 0.50% 2.86% →
5-Year CD 1.00% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

United Community is an NCUA insured institution located in Quincy, IL. It was founded in 1941 and has approximately $122.19 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 60095
Date Established 1941
Assets $122.19 million
Loans $66.15 million
Deposits $106.82 million
Capital $15.02 million
 

Field of Membership Restrictions

Membership is open to those who live or work in the counties of Adams, Brown, Hancock, Pike, and Schuyler in Illinois or Lewis, Marion, & Ralls counties in Missouri. Any employee who works at one of our select employee groups is also able to belong. Our eligible employee groups are listed under Membership Information.

Deposit Rates - May 25, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.55% $10,000 $14,999 Learn More
Money Market
0.60% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $1,000 - Learn More
12 Mo CD
0.40% $1,000 - Learn More
24 Mo CD
0.50% $500 - Learn More
36 Mo CD
0.80% $1,000 - Learn More
48 Mo CD
0.80% $1,000 - Learn More
60 Mo CD
1.00% $1,000 - Learn More

Loan Rates - May 25, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNITED COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
4.684% 4.625% 0.75 $1,720 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to UNITED COMMUNITY
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Branches

Below are United Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Community Locations



Climate Initiatives

UNITED COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

United Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
United Community U.S. Average
2.00% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, United Community had $278,071 in non-current loans and $30,000 in owned assets. To cover these potential losses it had $15,015,972 in net worth and $412,277 in loans loss reserves. That gives it a Texas Ratio of 2.00%.

Net Worth
United Community U.S. Average
12.28% 12.36%

United Community FCU has a net worth of 12.28% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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