What are the current interest rates at United Employees Credit Union?

Current rates for United Employees Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.85%, MMA: 2.02%

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United Employees Credit Union

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United Employees Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

United Employees Credit Union's 1 Year CDs (CDs) rates are at 4.00%, 18 month IRA CD (CDs) rates are at 3.85%, 30 Month CDs (CDs) rates are at 3.85%, 91 Day CDs (CDs) rates are at 3.81%, 6 Month CDs (CDs) rates are at 3.68%. United Employees Credit Union's money market rates are at 2.02%. United Employees Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of United Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.38%. Rates last updated and verified on 09/21/2026.

United 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 United Employees Credit Union? Share your experience about United Employees Credit Union by leaving a review below, or read customer reviews before you decide to use United Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Employees Credit Union
United Employees Credit Union

430 Bridge Ave
Albert Lea, MN 56007

https://www.unitedecu.com

United Employees Credit Union CD Rates

Product	Rate	APY	Term
1 Year Share Certificates (CDs)	4.00%	4.00%	1 year
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
18 month IRA Share Certificate (CDs)	3.85%	3.85%	18 month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
30 Month Share Certificates (CDs)	3.85%	3.85%	30 month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
91 Day Share Certificates (CDs)	3.75%	3.81%	91 day
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
6 Month Share Certificates (CDs)	3.65%	3.68%	6 month
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

United Employees Credit Union Money Market Rates

Product	Rate	APY
Tiered Money Market Accounts	2.95%	2.99%
Min Balance $20,000 Details Balance: $20,000 minimum balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Tiered Money Market Accounts	2.55%	2.58%
Min Balance $2,500 Details Balance: $2,500 minimum balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
IRA Money Market	2.00%	2.02%
Min Balance $2,000 Details IRA Money Market - $2000 minimum Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

United Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - (fixed-7 year)	-	-	5.29%	7 year fixed
Details Published APR range: 5.29%-5.59%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Home Equity - (fixed-10 year)	-	-	5.39%	10 year fixed
Details Published APR range: 5.39%-5.69%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Home Equity - (variable)	-	-	8.00%
Details variable Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

United Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.99%
Details Published APR range: 9.99%-12.99%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

United Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Improvement - (variable) Loan	-	-	8.50%
Details variable Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

United Employees Credit Union’s Texas Ratio stayed near 2.19% in Q2 2023 to 2.38% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$67M	2.38%	5.0	A+
December 31, 2025	$65M	1.65%	5.0	A+
September 30, 2025	$62M	1.92%	5.0	A+
June 30, 2025	$61M	2.35%	5.0	A+
March 31, 2025	$62M	1.59%	5.0	A+
December 31, 2024	$60M	2.05%	5.0	A+
September 30, 2024	$59M	3.29%	5.0	A+
June 30, 2024	$59M	2.78%	5.0	A+
March 31, 2024	$59M	2.22%	5.0	A+
December 31, 2023	$58M	2.77%	5.0	A+
September 30, 2023	$57M	1.84%	5.0	A+
June 30, 2023	$56M	2.19%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United 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 United 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 United Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Employees Credit Union

Website https://www.unitedecu.com

Address 430 Bridge Ave, Albert Lea, MN 56007

Phone 507-377-1616

Fax 507-377-8907

President Steven Guenthner

CEO Matt Maras

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.38%

Return on Assets (ROA)

0.4028%

Return on Equity (ROE)

2.9593%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

67,306,940

Total Amount of Shares and Deposits

57,742,520

Total Shares and Deposits < 1 Year

55,511,792

Total Shares and Deposits 1 3 Years

2,230,728

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,099,676

Total Uninsured Shares and Deposits > $250K (F+J)

1,099,676

Total Insured Shares and Deposits > $250K (item 17 less item K)

56,642,844

Total Interest Expense (Sum of items 6 8)

273,300

Share Certificates

1,139

Number of Accounts for Share Drafts

1,219

IRA KEOGH Accounts

241

Number of Accounts for Regular Shares

4,286

Money Market Shares

165

Net Income (unless the amount is already included in Undivided Earnings)

271,138

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)

4,057,639

Total Liabilities

58,144,799

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About United Employees Credit Union

How many branches does United Employees Credit Union operate?

United 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 United Employees Credit Union?

Yes, to access services at United 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, United 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, United Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Employees Credit Union offer online and mobile banking?

Most modern institutions like United 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.unitedecu.com.