United Employees Credit Union


Overview / Commentary
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
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
Rates
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Always verify rates and promotions with the bank or credit union. We are not United Employees Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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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