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United Energy

8790 F.M. 1960 Bypass W. Ste 500A, Humble, TX 77338
NCUA Insured4.0 (63 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

8790 F.M. 1960 Bypass W. Ste 500A

Humble, TX 77338

Service Area

This credit union is located in Humble and serves members in the TX area. Currently serving 3,371 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.84%

Used Auto Loan

6.22%

Personal Loan

12.70%

Credit Card APR

12.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.0

63 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Erica

Erica

3 months ago

They don't take banking seriously. Keep you on hold forever just to pick up the phone and place you back on hold. My card initiated a fraud alert. I received the text msg, confirmed it was me, still had to call the fraud department, they lifted it, my card is active but still declining transactions. Can't use it. Can't get them to answer to fix it. Additionally I had a disputes that was approved in January. Here we are in March now and they still haven't credit it. Luckily it was only $24 but this is why they could never be my primary bank. After finally calling back I was advised to contact the merchant who ofcourse said contact my bank so no real resolution was provided there however Judith was the one to answer the phone so I informed her that an email was sent to her to check the dispute. After placing me on hold she came back, apologized, said it was overlooked, and will credit the account today. We shall see.

carlos mora

carlos mora

8 months ago

I reached out to United Energy Credit Union to refinance my current auto loan with Shell Federal Credit Union (48-month term at 3.99%). After reviewing my information, they ran my credit and told me I was approved for refinancing up to a 72-month term at 3.49%. They emailed me an approval notice listing the required documents and even asked me to open a membership with a $25 deposit, which I did. Two weeks later, I was informed that they “made a mistake” and couldn’t actually offer a longer term than my current loan. This is extremely unprofessional. Not only did they provide false information, but they also ran a hard credit inquiry and now refuse to remove it even though the error was entirely on their side. I asked to speak with a branch manager, and no one was willing to get on the phone to explain or take accountability. I will be filing a formal complaint with the Better Business Bureau (BBB) regarding this matter. I strongly advise others to be cautious and get everything confirmed in writing before allowing them to run your credit. This experience has been very disappointing and reflects poorly on their professionalism and customer service.

Cristina Robles Arriola

Cristina Robles Arriola

a year ago

This bank is a joke. They provide you with an activation phone number on the debit card to set up pin as well which is a lie, you call they go through a whole verification process w an operator then to tell you to call a different phone number during business hours to set up pin. lol how inconvenient and the bank operator was not helpful at all..her response was “is there anything else I call do for you??”?!!! Clearly not.

William Lumpkin

William Lumpkin

2 years ago

The staff from the President to the newest Customer Service Reps are absolutely fantastic. Professional, knowledgeable, helpful just a great banking experience for me going on 2 decades. Long live United Energy Credit Union!

Sandra

Sandra

5 years ago

A few years I been a member of United credit Union for more than 8 years now and I am very happy with the. Excellent service.... Especially with Mrs Nancy at your Humble office, always accessible and willing to give me the best of the attention , answering my questions, or emails promptly and helping me on time of needs. I will continue to be part of this happy family!!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).