United Energy Credit Union
Verified rate book
Current United Energy Credit Union rates
16 published offers verified as of August 3, 2026.
Auto & vehicle rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New or Used Car Loanauto_any | 3.990% APR | 3.990% | any | Standard |
| New/Used Auto (up to 5 years old)auto_any_60mo | 3.990% APR | 3.990% | 60 mo · any | Standard |
| R/V Loanauto_any_60mo | 4.490% APR | 4.490% | 60 mo | Standard |
| New Auto (Greater than $25,000)auto_new_72mo | 5.240% APR | 5.240% | 72 mo · new | Standard |
| New Auto (Greater than $50,000)auto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| Older Auto (6+ years)auto_used_60mo | 6.240% APR | 6.240% | 60 mo · used | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Share-Secured Loanpersonal_secured_60mo | 3.250% APR | 3.250% | 60 mo | Standard |
| Personal Line of Creditploc_variable | 8.250% APR | 8.250% | — | Standard |
| 60-Month Signature Loanpersonal_unsecured_60mo | 9.250% APR | 9.250% | 60 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| First Time Borrower MasterCardcredit_card | 12.000% APR | 12.000% | — | Standard |
Savings & CD rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Pass Bookcd_3mo | 0.10% APY | 0.10% | 3 mo | Standard |
| Individual Retirement Accountira | 1.25% APY | 1.25% | 3 mo | Standard |
| Small Term Share Accountshare_savings | 1.82% APY | 1.80% | 6 mo | Standard |
| Large Term Share Accountshare_savings | 2.74% APY | 2.70% | 6 mo | Standard |
| Large Term Share Accountshare_savings | 3.46% APY | 3.40% | 12 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 90 Dayother | 9.250% % | 9.250% | — | Standard |
Auto loans available from 3.99% APR. Personal loan rates from 3.25% APR. Credit card rates from 12% APR. Savings and certificate yields up to 3.46% APY.
Source: RateAPI.dev, verified from United Energy Credit Union's official website
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About United Energy Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 3.4K
- Assets
- $30.3M
- Founded
- 1934
- Locations reported
- 3
- NCUA charter
- 67493
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Financial counseling
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join United Energy Credit Union
Membership eligibility from United Energy Credit Union's own published criteria. How we verify this.
Membership via employers (CenterPoint Energy +1 more)
- EmployerCenterPoint Energy, Reliant Energy
Cost to join: About $5.
Verified from United Energy Credit Union's membership page. Final membership determination is always made by the credit union.
Work at United Energy Credit Union?
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Frequently Asked Questions
What rates does United Energy Credit Union offer?
United Energy Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are United Energy Credit Union rates updated?
RateAPI verifies United Energy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get United Energy Credit Union's rate data?
Rate data is collected directly from United Energy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are United Energy Credit Union's auto loan rates?
As of August 3, 2026, United Energy Credit Union offers auto loans from 3.99% APR.
What is United Energy Credit Union's personal loan rate?
As of August 3, 2026, United Energy Credit Union offers personal loans from 3.25% APR.
What is United Energy Credit Union's best CD rate?
As of August 3, 2026, United Energy Credit Union offers savings and certificate (CD) yields up to 3.46% APY.
Related Rate Data
Compare United Energy Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack United Energy Credit Union rates
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# Get rates for United Energy Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/united-energy" \
-H "Authorization: Bearer YOUR_API_KEY"