|
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 October 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 9, 2026
Federated Employees Credit Union's top rates as of October 9, 2026 are 4.42% APY on its 60 Month CD, 1.50% APY on savings, 3.71% APY on money market accounts, 0.10% APY on checking, and auto loans from 4.00% APR, according to rates verified by MonitorBankRates. Other Federated Employees Credit Union CD rates include 48 Month CD at 4.31%, 36 Month CD at 4.26%, and 24 Month CD at 4.21%. 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 10/09/2026. 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 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 UnionHow 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.
Compare to Other Credit Unions
Cosden Federal Credit Union
Aurora Firefighters Credit Union
Issaquena County Federal Credit Union
Grand Altitude Federal Credit Union
First Source Federal Credit Union
Maternity BVM Credit Union
Omega Federal Credit Union
Workmens Circle Incorporated Credit Union
SMW 104 Federal Credit Union
DuPage Credit Union
Achieva Credit Union
Michigan First Credit Union
Priority One Credit Union South Pasadena, CA
United Hospital Center Federal Credit Union
DOW
Show Me Credit Union
Sooper Credit Union
Community Credit Union
ARC Federal Credit Union
SRI Federal Credit Union
OAS Staff Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking