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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Federated Employees Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Federated Employees Credit Union's 6 month Term CDs rates are at 3.65%, $ave-N-Grow - 9 month Term CDs rates are at 3.60%, 60 month Term CDs rates are at 3.60%, 12 month Term CDs rates are at 3.55%, 48 month Term CDs rates are at 3.55%. Federated Employees Credit Union's savings rates are at 0.85%. Federated Employees Credit Union's money market rates are at 0.85%. Federated Employees Credit Union's Personal Loan Rates are at 11.90%. MonitorBankRates evaluates the financial stability of Federated Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.38%. Rates were last updated on 04/19/2026. Federated Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Federated Employees Credit Union? Share your experience about Federated Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Federated Employees Credit Union. Federated Employees Credit Union
FECU Main Office 1929 S Cedar Ave
https://www.fedecu.com Owatonna, MN 55060 4301 
Federated Employees Credit Union CD Rates
Federated Employees Credit Union Savings Rates
Federated Employees Credit Union Money Market Rates
Federated Employees Credit Union Checking Rates
Federated Employees Credit Union Mortgage Rates
Federated Employees Credit Union Home Equity & HELOC
Federated Employees Credit Union Student Loan Rates
Federated Employees Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Federated Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Federated Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Federated Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Federated Employees Credit Union
Website
https://www.fedecu.com
Address
1929 S Cedar Ave,
Owatonna, MN 55060 4301
Phone
507-455-5200
Fax
507-455-8827
President
Christopher Ditlevson
CEO
Annette Arndt
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.38%
Return on Assets (ROA)
0.5574%
Return on Equity (ROE)
4.1386%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
62,490,865
Total Amount of Shares and Deposits
53,943,732
Total Shares and Deposits < 1 Year
51,602,619
Total Shares and Deposits 1 3 Years
1,498,568
Total Shares and Deposits > 3 Years
842,545
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
494,535
Total Uninsured Shares and Deposits > $250K (F+J)
494,535
Total Insured Shares and Deposits > $250K (item 17 less item K)
53,449,197
Total Interest Expense (Sum of items 6 8)
1,047,214
Share Certificates
1,453
Number of Accounts for Share Drafts
1,281
Number of Accounts for Regular Shares
5,736
Money Market Shares
377
Net Income (unless the amount is already included in Undivided Earnings)
348,306
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,638,315
Total Liabilities
54,074,839
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Federated Employees Credit UnionIs Federated Employees Credit Union a safe place to deposit money?Yes, Federated Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 1.377835572276%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Federated Employees Credit Union operate?Federated Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Federated Employees Credit Union?Yes, to access services at Federated Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Federated Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Federated Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Federated Employees Credit Union offer online and mobile banking?Most modern institutions like Federated Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fedecu.com. Current Federated Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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