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United Employees Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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.unitedecu.com
507-377-1616
430 Bridge Ave
Albert Lea, MN 56007

United Employees Credit Union is headquartered in Albert Lea and is the 50th largest credit union in the state of Minnesota. It is also the 2,254th largest credit union in the nation. It was established in 1932 and as of March of 2025, it had grown to 8 employees and 4,055 members at 1 location. United Employees Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in United Employees Credit Union is open to those who live, work, attend school or worship in Freeborn County or Mower County, Minnesota. Membership is also open to employees of 23 local businesses (listed on the Membership Eligibility page). Immediate family members of a current United Employees Credit Union are also eligible to join.
See current membership details

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Health
A

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. United Employees Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #60263
Year Chartered1932
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD10.19%
Annual Interest Income$701K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$62.2MM$58.8MM
LoansQ1 2025vs Q1 2024$26.4MM$26.9MM
DepositsQ1 2025vs Q1 2024$53.6MM$50.9MM
Equity CapitalQ1 2025vs Q1 2024$8.2MM$7.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$58K$54K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$131K$168K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Member Share Account

United Employees Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$20k*-Tiered Money Market Account
OTHER TIERS: 2.02% → $2.5k - $20k
2.02%$2k-IRA Money Market Account

United Employees Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$300-Premium Plus Checking

United Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$500-91 Day CD
3.94%$500-6 Month CD
3.75%$500-1 Year CD
3.65%$500-30 Month CD

United Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-18 Month IRA
0.25%$0-IRA Savings Account
Locations


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

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