Universal Credit Union
Verified rate book
Current Universal Credit Union rates
17 published offers verified as of August 3, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loanauto_new | 4.750% APR | 4.750% | new | Standard |
| Used Auto Loanauto_used | 7.500% APR | 7.500% | used | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Lendingpersonal | 10.000% APR | 10.000% | — | Standard |
Savings & CD rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Regular Share / Special Savings Accountsavings | 0.05% APY | 0.05% | — | Standard |
| Club Ed Share Savings Accountshare_savings | 0.05% APY | 0.05% | — | Standard |
| Fixed Rate Certificate Accountshare_certificate_36mo | 0.45% APY | 0.45% | 36 mo | Standard |
| Certificate / IRA Certificateira_cd_36mo | 0.45% APY | 0.45% | 36 mo | Standard |
| IRAira | 0.50% APY | 0.50% | — | Standard |
| Fixed Rate Certificate Accountshare_certificate_48mo | 0.50% APY | 0.50% | 48 mo | Standard |
| Certificate / IRA Certificateira_cd_48mo | 0.50% APY | 0.50% | 48 mo | Standard |
| Certificate / IRA Certificateira_cd_6mo | 1.51% APY | 1.50% | 6 mo | Standard |
| Fixed Rate Certificate Accountshare_certificate_6mo | 1.51% APY | 1.50% | 6 mo | Standard |
| Certificate / IRA Certificateira_cd_24mo | 2.52% APY | 2.50% | 24 mo | Standard |
| Fixed Rate Certificate Accountshare_certificate_24mo | 2.52% APY | 2.50% | 24 mo | Standard |
| Fixed Rate Certificate Accountshare_certificate_12mo | 3.56% APY | 3.50% | 12 mo | Standard |
| Certificate / IRA Certificateira_cd_12mo | 3.56% APY | 3.50% | 12 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Vacation Lendingother | 8.000% % | 8.000% | — | Standard |
Auto loans available from 4.75% APR. Personal loan rates from 10% APR. Savings and certificate yields up to 3.56% APY.
Source: RateAPI.dev, verified from Universal Credit Union's official website
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About Universal Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 5.9K
- Assets
- $97.2M
- Founded
- 1935
- Locations reported
- 3
- NCUA charter
- 785
- Charter type
- Federal credit union
Services and member support
- Electronic statements
- Financial education
- Student scholarships
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 Universal Credit Union
Membership eligibility from Universal Credit Union's own published criteria. How we verify this.
Community charter: live/work in Cabell County, Mason County, Wayne County +2 more, WV, OH
- LocationCabell County, Mason County, Wayne County, Lincoln County, Lawrence County — WV, OH
Verified from Universal Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Universal Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Universal Credit Union ranks against West Virginia peers.
Frequently Asked Questions
What rates does Universal Credit Union offer?
Universal Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Universal Credit Union rates updated?
RateAPI verifies Universal 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 Universal Credit Union's rate data?
Rate data is collected directly from Universal 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 Universal Credit Union's auto loan rates?
As of August 3, 2026, Universal Credit Union offers auto loans from 4.75% APR.
What is Universal Credit Union's personal loan rate?
As of August 3, 2026, Universal Credit Union offers personal loans from 10% APR.
What is Universal Credit Union's best CD rate?
As of August 3, 2026, Universal Credit Union offers savings and certificate (CD) yields up to 3.56% APY.
Related Rate Data
Compare Universal 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 Universal Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Universal Credit Union
curl "https://api.rateapi.dev/credit-unions/west-virginia/universal" \
-H "Authorization: Bearer YOUR_API_KEY"