Check before you give

United Credit Union

EIN 75-0751106 · Tyler, TX

Public records raise at least one point you should look into before giving.

What it says it does

COOPERATIVE, MEMBERSHIP OWNED, NON-PROFIT PROVIDER OF FULL FINANCIAL SERVICES TO MEMBERS

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate

We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate

This return does not answer enough of the governance questions to score.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)

$1.1 million spent. ACCOUNTS:TERM SHARE CERTIFICATES ARE SAVINGS ACCOUNTS THAT ARE PLACED ON DEPOSIT FOR SPECIFIC PERIODS OF TIME. THEY HAVE A HIGHER EARNING RATE FOR MEMEBERS DUE TO THE REQUIRED TIME FRAME TO REMAIN ON DEPOSIT. REMOVAL BEFORE MATURITY RESULTS IN A PENALTY. TERM SHARE CERTIFICATES ARE THE LARGEST ACCOUNT EXPENSE SAVINGS AND CHECKING.
$140,893 spent. TECHNOLOGY SERVICES: TECHNOLOGY IN TODAYS AGE IS ALWAYS CHANGING AND GROWING EACH YEAR. THIS CAUSES THE EXPENSE TO BE QUITE LARGE IN ORDER TO STAY CURRENT WITH TADAYS WANTS AND NEEDS FOR MEMBERS. THE TECHNOLOGY SERVICES INCLUDE ONLINE BANKING, ONLINE LOAN APPLICATIONS, ONLINE SECURED EDOCSIGNATURES, ONLINE MOBILE DEPOSIT, BILL PAY AND ESTATEMENT. WITH TECHNOLOGY, YOU ALSO HAVE TO KEEP IN MIND THE UPDATES AND UPGRADES YOU DO TO THEM TO MAKE SURE THEY ARE SECURE AND NOT BROKEN. WITH ALL OF THAT, THE GREATEST THING THE TECHNOLOGY SERVICES DOES IS MAKE THINGS EASIER FOR THE MEMBER.
$67,300 spent. OTHER PROGRAM SERVICES
$42,589 spent. LOANS: VEHICLE, PERSONAL, AND CREDIT CARD LOANS ARE ALL OFFERED. RELATED SERVICES SUCH AS LIFEPLUS, DISABILITY, DENT GUARD, MECHANICAL REPAIR COVERAGE, AND GAP ARE ALL ALSO OFFERED.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate

Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1976.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.