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Overview / Commentary
1117 S 10th St
Manitowoc, WI 54220-5211

UnitedOne Credit Union is headquartered in Manitowoc and is the 30th largest credit union in the state of Wisconsin. It is also the 1,015th largest credit union in the nation. It was established in 1938 and as of June of 2016, it had grown to 65 employees and 19,627 members at 7 locations. UnitedOne Credit Union's money market rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Sheboygan, Manitowoc, Door and Kewaunee Counties in Wisconsin.
See current membership details

Reviews (1)

United One Credit Union

Posted by: SusieQ | Oct 11, 2016

I have had a savings and checking account at this credit union for roughly 20 years. Overall I have had a very positive experience with them. I have lived outside the county of it's operations for 10 years, but still maintain banking with them. I pay no fees to maintain my accounts with them, and can readily find ATM machines in my area to withdraw funds without a service fee.

In addition to the checking and savings accounts, I have had a car loan and mortgage with the credit union. The car loan was a quick and easy process. It was the first time I had taken out a bank loan, and it was very easy to work with them. Having the loan at the same credit union as my checking and savings account made it quick and easy to make payments to the loan, and I was able to quickly pay it off ahead of schedule. My mortgage was initially through the credit union. I had a meeting with a credit union employee to go over pre-approval, and to get an idea of monthly mortgage payments. After closing the mortgage was transferred to another party. I was unaware going into it that this was going to occur. A couple years later I refinanced with another bank.

I do most of my banking online, and have found at times to have trouble with their internet site. I've had trouble logging in, when they've made changes to the site. I've had to change my PIN once, and was easily able to do it over the phone when I called. There was no trouble getting someone on the phone to help with problems.

I'm very happy with my credit union, and have never had any trouble that would push me to find a new institution.


Health Grade Components

NCUA #67248
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD11.6%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$195.8MM$185.5MM
LoansQ2 2016vs Q2 2015$156.9MM$147.0MM
DepositsQ2 2016vs Q2 2015$169.8MM$161.5MM
Equity CapitalQ2 2016vs Q2 2015$23.7MM$21.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.4MM$2.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$799.00K$2.1MM
Real Estate OwnedQ2 2016vs Q2 2015$169.00K$16.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UnitedOne Credit Union Savings Account Rates

0.08%$50-Christmas Club
0.04%$100-Primary Share Account
0.04%$25-Mates Club (age 0-11)
0.04%$25-eXtreme Fundz (age 12-17)
0.04%$25-Open Savings IRA
0.04%$25-Open Savings CESA

UnitedOne Credit Union Money Market Rates

0.90%*$200k*-AchieveOne Money Market
OTHER TIERS: 0.40% $25k - $50k | 0.60% $50k - $75k | 0.70% $75k - $100k | 0.80% $100k - $200k
0.35%*$40k*-Money Market Premier Account
OTHER TIERS: 0.04% Up to $40k
0.25%*$25k*-Money Market Account
OTHER TIERS: 0.04% Up to $5k | 0.12% $5k - $15k | 0.16% $15k - $25k

UnitedOne Credit Union Checking Account Rates

0.02%$1k-Dividend Checking Account

UnitedOne Credit Union CD Rates

1.00%$5k-22 Month CD Special w/ Active Checking
0.90%$10k-4 Year Jumbo CD
0.90%$5k-22 Month CD Special w/o Active Checking
0.80%$1k-4 Year CD
0.60%$10k-2 Year Jumbo CD
0.50%$1k-2 Year CD
0.50%$50k-9 Month Premier CD
0.40%*$25k*-9 Month Advantage CD
OTHER TIERS: 0.30% $10k - $25k
0.40%$10k-1 Year Jumbo CD
0.30%$1k-1 Year CD
0.24%$1k-6 Month CD
0.10%$1k-3 Month CD

UnitedOne Credit Union IRA Rates

1.00%$5k-22 Month IRA Special w/ Active Checking
0.90%$10k-4 Year Jumbo IRA
0.90%$5k-22 Month IRA Special w/o Active Checking
0.80%$1k-4 Year IRA
0.60%$10k-2 Year Jumbo IRA
0.50%$1k-2 Year IRA
0.50%$50k-9 Month Premier IRA
0.40%$10k-1 Year Jumbo IRA
0.40%*$25k*-9 Month Advantage IRA
OTHER TIERS: 0.30% $10k - $25k
0.30%$1k-1 Year IRA

UnitedOne Credit Union Locations
Branch Office2122 Superior AveSheboygan, WI 53081-2246
Branch Office1117 S 10th StManitowoc, WI 54220-5211
Branch Office4115 Calumet AveManitowoc, WI 54220-5400
Branch Office3509 Washington Avenue S Frontage Rd S. Frontage RoadSheboygan, WI 53081-6436
Branch Office2629 N 7th StSheboygan, WI 53083-4932
Branch Office2401 Menasha AveManitowoc, WI 54220-1615
Branch Office2414 Kohler Memorial DrSheboygan, WI 53081-3129