UNITED COMMUNITY

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.50% 1.60% →
1-Year CD 1.00% 1.55% →
2-Year CD 1.31% 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

United Community is an NCUA insured institution located in Quincy, IL. It was founded in 1941 and has approximately $89.57 millions in assets.

NCUA Insured Yes
Charter Number # # 60095
Date Established 1941
Assets $89.57 million
Loans $60.08 million
Deposits $76.65 million
Capital $12.74 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 31, 2020

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 $4,999 Learn More
Money Market
0.55% $5,000 $14,999 Learn More
Money Market
0.60% $15,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.90% $1,000 - Learn More
12 Mo CD
1.00% $1,000 - Learn More
24 Mo CD
1.31% $1,000 - Learn More
36 Mo CD
1.56% $1,000 - Learn More
48 Mo CD
1.81% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.45% $100 $999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $1,000 - Learn MoreShow Less

Loan Rates - May 31, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to UNITED COMMUNITY
To upload and update your bank's rates please register. It is free to register and add rates.



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


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
2.38% 5.92

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 September 30, 2019, United Community had $281,772 in non-current loans and $30,000 in owned assets. To cover these potential losses it had $12,741,241 in net worth and $331,676 in loans loss reserves. That gives it a Texas Ratio of 2.38%.

Net Worth
United Community U.S. Average
14.22% 13.86%

United Community FCU has a net worth of 14.22% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United Community

Branches and Savings

What is United Community?

A federal credit union, registered with the NCUA under certificate #60095.
Learn more about credit unions here.

Is United Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United Community?

Please see Field of Membership information above for information on who is eligible to join.

What are United Community's share account and share certificate rates?

United Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United Community?

United Community has total capital of $12.74 million. Full information on United Community's financial position is located above.

Who owns United Community?

Credit Unions are owned by their members.

Where are United Community branches located?

See branch locations nearby.

Are United Community ATMs Open 24/7?

Do United Community ATMs accept cash deposits?

Can United Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United Community have a mobile app?

Does United Community have mobile deposit?

Does United Community have quick pay?

How can United Community transfer money to other banks or credit unions?

Does United Community report to credit bureaus?

Does United Community use Chexsystems?

Does United Community use Equifax?

What is United Community's toll free phone number?

What is United Community's ACH Routing Number?

What is United Community's SWIFT code?

Where can I find United Community's wire transfer form?

What is the United Community address for deposits?

What Products Does United Community Offer

Does United Community offer mortgages?

Compare mortgage rates here.

Does United Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Community offer auto and RV loans?

Compare auto loan rates here.

Does United Community offer student loans or personal loans?

Compare personal loan rates here.

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