Federated Employees Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fedecu.com

507-455-5430

1929 S Cedar Ave
Owatonna, MN 55060

Federated Employees Credit Union is headquartered in Owatonna and is the 49^th largest credit union in the state of Minnesota. It is also the 2,251^st largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 8 employees and 4,811 members at 2 locations. Federated Employees Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Federated Employees Credit Union of Minnesota is open to the current and retired employees of the Federated Insurance Companies and their family members.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Federated Employees Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	64703
Year Chartered	1934
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	3.07%
Annual Interest Income	$675K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$62.5MM$57.5MM
Loans	Q1 2025vs Q1 2024	$34.8MM$33.8MM
Deposits	Q1 2025vs Q1 2024	$54.3MM$49.5MM
Equity Capital	Q1 2025vs Q1 2024	$8.1MM$7.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$80K$75K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Federated Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%	$25	-	Primary Share Account
0.90%	$25	-	Choice Savings

Federated Employees Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.73%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.90% → $0 - $2.5k \| 1.16% → $2.5k - $10k \| 1.41% → $10k - $25k \| 1.87% → $25k - $50k \| 2.32% → $50k - $75k

Federated Employees Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Checking Account

Federated Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.32%	$1k	-	6 Month CD
4.19%	$100	-	9 Month Kids Club CD
4.06%	$1k	-	12 Month CD
3.96%	$1k	-	24 Month CD
3.96%	$1k	-	36 Month CD
3.96%	$1k	-	48 Month CD
3.80%	$1k	-	60 Month CD
3.03%	$1k	-	3 Month CD

Locations

Federated Employees Credit Union Locations
Branch Office	1929 S Cedar Ave	Owatonna, MN 55060-4301
Branch Office	121 E Park Sq	Owatonna, MN 55060-3046

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