United Employees Credit Union

Overview / Commentary
430 Bridge Ave
Albert Lea, MN 56007

United Employees Credit Union is headquartered in Albert Lea and is the 58th largest credit union in the state of Minnesota. It is also the 2,479th largest credit union in the nation. It was established in 1932 and as of June of 2022, it had grown to 8 employees and 4,222 members at 1 location. United Employees Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Mower or Freeborn Counties. Membership is also open to employees of Freeborn Co-op Oil Patrons, Crossroads Trailer Sales, Streater Office Employees, Bridon Cordage, Schweigert Foods, Burger King, Kerry Ingredients, Alpha School, Waste Management, Woodvale V & VII, Thornecrest Retirement Center, Albert Lea Electroplating, St. John's Lutheran Home, Four Seasons Specialty Coffees, Vasco Inc., Crest Group Home, Non-licensed Employees of School District #241, The Children's Center, Ring Can Corp., Interstate Motor Trucks, Hayward Cooperative, Alden Cooperative Elevator, Safe Air Repair.
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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. United Employees Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60263
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD6.5%
Annual Interest Income$577.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$53.0MM$50.1MM
LoansQ2 2022vs Q2 2021$24.3MM$24.6MM
DepositsQ2 2022vs Q2 2021$46.3MM$43.9MM
Equity CapitalQ2 2022vs Q2 2021$6.6MM$6.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$45.00K$42.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$89.00K$26.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Employees Credit Union Savings Account Rates

0.25%--Member Share Account
0.25%--IRA Savings Account

United Employees Credit Union Money Market Rates

0.75%*$20k*-Tiered Money Market Account
OTHER TIERS: 0.50% $2.5k - $20k
0.40%$2k-IRA Money Market Account

United Employees Credit Union Checking Account Rates

0.05%$300-Premium Plus Checking

United Employees Credit Union CD Rates

3.50%$500-30 Month CD
3.25%$500-1 Year CD
2.77%$500-6 Month CD
1.51%$500-91 Day CD

United Employees Credit Union IRA Rates

3.15%$500-18 Month IRA

United Employees Credit Union Locations
Branch Office430 Bridge AveAlbert Lea, MN 56007

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