|
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 November 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 and Verified: October 29, 2026
Federated Employees Credit Union's 60 Month Term CD rates are at 4.42%, 48 Month Term CD rates are at 4.31%, 36 Month Term CD rates are at 4.26%, 24 Month Term CD rates are at 4.21%, 12 Month Term CD rates are at 4.16%. Federated Employees Credit Union's savings rates are at 1.50%. Federated Employees Credit Union's money market rates are at 3.71%. Federated Employees Credit Union's checking rates are as high as 0.10%. Federated Employees Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.00%. Federated Employees Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.81%. Rates last updated and verified on 10/29/2026. 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  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Home Equity & HELOC
Federated Employees Credit Union Auto Loan Rates
Federated Employees Credit Union RV, Boat and Powersport Loan Rates
Federated Employees Credit Union Student Loan Rates
Federated Employees Credit Union Personal Loan Rates
Federated Employees Credit Union Other Rates
Financial Health HistoryFederated Employees Credit Union’s Texas Ratio rose from 0.15% in Q3 2023 to 0.81% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Katy Busho
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+ (100/100)
Texas Ratio
0.81%
Return on Assets (ROA)
0.3883%
Return on Equity (ROE)
2.9476%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
66,730,140
Total Amount of Shares and Deposits
57,873,892
Total Shares and Deposits < 1 Year
55,045,156
Total Shares and Deposits 1 3 Years
1,593,746
Total Shares and Deposits > 3 Years
1,234,990
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
866,955
Total Uninsured Shares and Deposits > $250K (F+J)
866,955
Total Insured Shares and Deposits > $250K (item 17 less item K)
57,006,937
Total Interest Expense (Sum of items 6 8)
657,123
Share Certificates
1,429
Number of Accounts for Share Drafts
1,165
Number of Accounts for Regular Shares
5,737
Money Market Shares
387
Net Income (unless the amount is already included in Undivided Earnings)
259,139
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,793,662
Total Liabilities
57,938,581
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Federated Employees Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Federated Employees Credit Union
Frequently Asked Questions About Federated Employees Credit UnionDoes Federated Employees Credit Union offer CDs?Yes. Federated Employees Credit Union current CD rates include its 60 Month Term CD at 4.42% APY, its 48 Month Term CD at 4.31% APY and its 36 Month Term CD at 4.26% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Federated Employees Credit Union NCUA insured?Yes. Federated Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Federated Employees Credit Union?The highest Federated Employees Credit Union CD rate is its 60 Month Term CD at 4.42% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Federated Employees Credit Union offer?Federated Employees Credit Union CD rates are 4.16% APY for a 12 month CD, 4.21% APY for a 2 year CD, 4.26% APY for a 3 year CD, 4.31% APY for a 4 year CD and 4.42% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Federated Employees Credit Union for its full lineup. What is the highest savings rate at Federated Employees Credit Union?The highest Federated Employees Credit Union savings rate is its Choice Savings at 1.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Federated Employees Credit Union?The highest Federated Employees Credit Union money market rate is its Money Market at 3.71% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Federated Employees Credit Union?The highest Federated Employees Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Federated Employees Credit Union?The lowest Federated Employees Credit Union auto loan rate is its Auto Loan at 4.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Federated Employees Credit Union?The lowest Federated Employees Credit Union personal loan rate is its Motorcycle, Snowmobile, ATV/UTV, Personal Water Craft Loan - 2024 or newer at 6.00% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Federated Employees Credit Union rates compare?Federated Employees Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A+ health rating. Federated Employees Credit Union's top rates are its 60 Month Term CD at 4.42% APY, its Choice Savings at 1.50% APY, its Money Market at 3.71% APY, its Checking at 0.10% APY and its Motorcycle, Snowmobile, ATV/UTV, Personal Water Craft Loan - 2024 or newer at 6.00% APR, verified by MonitorBankRates on October 29, 2026. Current Federated Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Princeton Federal Credit Union
Community Choice Credit Union Johnston, IA
Census Federal Credit Union
Ohio Teamsters Credit Union
Mid Oregon Federal Credit Union
Florida West Coast Credit Union
Keesler Federal Credit Union
Champion Community Credit Union
Med Park Credit Union
LincOne Federal Credit Union
SI Philadelphia Federal Credit Union
Shaker Heights Credit Union
Chula Vista City Employees Federal Credit Union
Earning Tree Federal Credit Union
White Sands Federal Credit Union
Educators Credit Union
Mojave Plant Employees Federal Credit Union
Whitefish Credit Union Association
Frio County Federal Credit Union
Credit Union Of Colorado
Butler County Teachers Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
