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United Community Credit Union

Overview
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United Community Credit Union is a federally insured state credit union based in Quincy, Illinois. It has been opened since 1941, for 79 years.

With around $85,420,000 in assets, United Community Credit Union is considered to be a large credit union. It has 4 branches and 4 ATM locations.

About
Address Po Box 1207
Quincy, Illinois 62306
Website http://www.myuccu.com
Phone (217) 224-1093
Fax (217) 224-0802
CEO Mark A. Dietrich
President of the Board John Webster
Services Offered
Map
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Score Card
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79 years
Years in business
Opened in 1941
Well Capitalized
Net worth classification
Source: NCUA
10,278 members
Membership type: State chartered natural person credit union
Above average number of members
290:1
Credit union member to staff ratio
290 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$85,415,409
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
0.57%
Savings interest rate
Compared to 0.3% nationally
9.43%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
United Community Credit Union Branch Locations

United Community Credit Union
1001 Vermont Street
Quincy, Illinois 62301
ATM Available
United Community Credit Union
109 Lindsey Drive
Hannibal, Missouri 63401
ATM Available
United Community Credit Union
1426 North 26th Street
Quincy, Illinois 62301
ATM Available
United Community Credit Union
3633 Maine Street
Quincy, Illinois 62305
ATM Available
Members
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10,278 members
Membership type: State chartered natural person credit union
Above average number of members

With 10,278 members, the United Community Credit Union is considered to be a large credit union. It is larger than 71% of credit unions.

Fees
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$54
Average fee per member
The average fee per member at the United Community Credit Union is $54, which is comparable to most credit unions. This rate is lower than 45% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the United Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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290:1
Credit union member to staff ratio
290 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
36 staff members
FTE (full-time equivalent)
13% of employees are part-time
33 full-time, 5 part-time

United Community Credit Union has 33 full-time staff members and 5 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 87% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. United Community Credit Union has around 290 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$85,415,409
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$11,117
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 58% of credit unions.

United Community Credit Union holds a total of $60,020,000 in loans and leases, which is about $11,117 per member on average.

Savings interest rate
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0.57%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. United Community Credit Union pays 0.57%.

Loan rates
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9.43%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.15%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.71%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.58%
New car loan rate
Compared to 4.0% nationally
4.89%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.66%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.82%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally