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UnitedOne Credit Union

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UnitedOne Credit Union Rates & Review November 2026

Q: What are the current interest rates at UnitedOne Credit Union?

Current rates for UnitedOne Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 2.60%, 24-Month CD: 2.70%, Savings: 0.03%, MMA: 2.75%

Q: What CD terms does UnitedOne Credit Union offer?

UnitedOne Credit Union CD rates are 3.85% APY for a 9 month CD, 4.35% APY for an 11 month CD, 2.75% APY for a 12 month CD, 2.60% APY for an 18 month CD and 2.70% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with UnitedOne Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

UnitedOne Credit Union's 11 Month CD rates are at 4.35%, 9 Month CD rates are at 3.85%, 1 Year CD rates are at 2.75%, 2 Year CD rates are at 2.70%, 18 Month CD rates are at 2.60%. UnitedOne Credit Union's savings rates are at 0.03%. UnitedOne Credit Union's money market rates are at 2.75%. UnitedOne Credit Union's checking rates are as high as 5.00%. UnitedOne Credit Union's Mortgage Loan - 10 Year Fixed (120 months) rates are at 6.25%, Mortgage Loans - 10 Year Fixed rates are at 6.25%, Mortgage Loan - 15 Year Fixed (180 months) rates are at 6.62%, Mortgage Loans - 15 Year Fixed rates are at 6.62%, Mortgage Loan - 20 Year Fixed (240 months) rates are at 6.88%. UnitedOne Credit Union's Auto Loan Rates are as low as 4.49%. UnitedOne Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of UnitedOne Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.62%. Rates last updated and verified on 10/30/2026.

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

1.62%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UnitedOne Credit Union
Main Office - 10th Street

1117 S 10th St
Manitowoc, WI 54220-5211

https://www.unitedone.org

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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.

UnitedOne Credit Union CD Rates

Product	Rate	APY	Term
11 Month Share Certificate	4.281%	4.35%	11 Month
Min Balance $1,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 11 Month	4.281%	4.35%	11 Month
Min Balance $1,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
9 Month Share Certificate	3.796%	3.85%	9 Month
Min Balance $1,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 9 Month	3.796%	3.85%	9 Month
Min Balance $1,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
1 Year Jumbo Share Certificate	2.82%	2.85%	1 Year
Min Balance $10,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026; Jumbo Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 1 Year Jumbo	2.82%	2.85%	1 Year
Min Balance $10,000 Details Jumbo; Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
2 Year Jumbo Share Certificate	2.771%	2.80%	2 Year
Min Balance $10,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026; Jumbo Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 2 Year Jumbo	2.771%	2.80%	2 Year
Min Balance $10,000 Details Jumbo; Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
1 Year Share Certificate	2.722%	2.75%	1 Year
Min Balance $1,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 1 Year	2.722%	2.75%	1 Year
Min Balance $1,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
2 Year Share Certificate	2.673%	2.70%	2 Year
Min Balance $1,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 2 Year	2.673%	2.70%	2 Year
Min Balance $1,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
18 Month Share Certificate	2.575%	2.60%	18 Month
Min Balance $5,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 18 Month	2.575%	2.60%	18 Month
Min Balance $5,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
3 Year Share Certificate	2.477%	2.50%	3 Year
Min Balance $5,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 3 Year	2.477%	2.50%	3 Year
Min Balance $5,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
4 Year Jumbo Share Certificate	2.192%	2.21%	4 Year
Min Balance $10,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026; Jumbo Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 4 Year Jumbo	2.192%	2.21%	4 Year
Min Balance $10,000 Details Jumbo; Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
4 Year Share Certificate	2.094%	2.11%	4 Year
Min Balance $1,000 Details Share/IRA Certificate Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Share/IRA Certificate - 4 Year	2.094%	2.11%	4 Year
Min Balance $1,000 Details Minimum balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 2.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Min Balance $1 Details Other fees may apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Saver's Sweepstakes	0.10%	0.10%
Min Balance $100 Details Other fees may apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mates Club (Ages 0-11)	0.03%	0.03%
Min Balance $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Open Savings IRA	0.03%	0.03%
Min Balance $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Primary Share	0.03%	0.03%
Min Balance $100 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Money Market Rates

Product	Rate	APY
AchieveOne Money Market	2.716%	2.75%
Min Balance $1,000,000 Details NEW!; Other fees may apply; Balance: $1,000,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	2.472%	2.50%
Min Balance $500,000 Details Other fees may apply; Balance: $500,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	2.227%	2.25%
Min Balance $200,000 Details Other fees may apply; Balance: $200,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	1.736%	1.75%
Min Balance $100,000 Details Other fees may apply; Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	1.687%	1.70%
Min Balance $75,000 Details Other fees may apply; Balance: $75,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	0.797%	0.80%
Min Balance $50,000 Details Other fees may apply; Balance: $50,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
AchieveOne Money Market	0.598%	0.60%
Min Balance $25,000 Details Other fees may apply; Balance: $25,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.349%	0.35%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.25%	0.25%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.03%	0.03%
Details Balance: Less than $5,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Business Money Market Rates

Product	Rate	APY
Business AchieveOne Money Market	2.716%	2.75%
Min Balance $1,000,000 Details Balance: $1,000,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	2.472%	2.50%
Min Balance $500,000 Details Balance: $500,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	2.227%	2.25%
Min Balance $200,000 Details Balance: $200,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	1.736%	1.75%
Min Balance $100,000 Details Balance: $100,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	1.687%	1.70%
Min Balance $75,000 Details Balance: $75,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	0.797%	0.80%
Min Balance $50,000 Details Balance: $50,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	0.598%	0.60%
Min Balance $25,000 Details Balance: $25,000 minimum to earn APY Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business Money Market	0.349%	0.35%
Min Balance $25,000 Details Balance: $25,000 minimum to earn APY; no minimum balance requirement; no monthly service fee Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business Money Market	0.25%	0.25%
Min Balance $15,000 Details Balance: $15,000 minimum to earn APY; no minimum balance requirement; no monthly service fee Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business Money Market	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 minimum to earn APY; no minimum balance requirement; no monthly service fee Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business Money Market	0.03%	0.03%
Min Balance $0 Details Balance: Less than $5,000; Balances less than $5,000 receive the same rate as our Primary Share Account; no monthly service fee Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Business AchieveOne Money Market	0.00%	0.00%
Details Balance: Less than $25,000; No dividends earned on balances less than $25,000; $15 monthly fee avoided with $25,000 balance Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking	4.889%	5.00%
Details Balance: Up to $7,500.00 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 0.03% → 5.00% ▲ 4.97 pts · high 5.00% / low 0.03% Oct 13, 20265.00%▲ from 0.03% Sep 18, 20260.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loans - 10 Year Fixed	6.25%	0.00%	6.428%	120 months
Details Program: 10 Year Fixed (120 months); Payment: $2,245.60; Rates As Low As; 1st mortgage, owner-occupied, Wisconsin only; refinance example $200,000 loan, 60% LTV, credit score above 750 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loans - 15 Year Fixed	6.625%	0.00%	6.753%	180 months
Details Program: 15 Year Fixed (180 months); Payment: $1,755.99; Rates As Low As; 1st mortgage, owner-occupied, Wisconsin only; refinance example $200,000 loan, 60% LTV, credit score above 750 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loans - 20 Year Fixed	6.875%	0.00%	6.978%	240 months
Details Program: 20 Year Fixed (240 months); Payment: $1,535.63; Rates As Low As; 1st mortgage, owner-occupied, Wisconsin only; refinance example $200,000 loan, 60% LTV, credit score above 750 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.98% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loans - 30 Year Fixed	7.25%	0.00%	7.331%	360 months
Details Program: 30 Year Fixed (360 months); Payment: $1,364.35; Rates As Low As; 1st mortgage, owner-occupied, Wisconsin only; refinance example $200,000 loan, 60% LTV, credit score above 750 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.33% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan - 10 Year Fixed (120 Months)	5.75%	0.00%	6.089%	120 Months
Details As Low As; Payment: $274.42 per month (example based on $25,000 loan, credit score above 740, 80% LTV, 120 months); owner-occupied Wisconsin properties only; includes Relationship Rewards pricing for qualifying members; HELOCs not eligible; effective 10/09/2026 Last Updated 10/30/2026 Rate History No change since Oct 13, 2026 · 6.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	60 months
Details As Low As; Choose Your Rate table Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
New & Used Auto Loans	-	-	4.49%
Details As Low As; Cars, Trucks, ATV's & More; Featured rate (homepage) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs and Boats Loan	-	4.99%	Up to 60 Months
Details As Low As; Year: 2023 and newer - 20 ft. minimum for extended terms; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	5.74%	Up to 72 Months
Details Term: Up to 72 Months ($10,000 loan); As Low As; Year: 2023 and newer - 20 ft. minimum for extended terms; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	6.49%	Up to 60 Months
Details As Low As; Year: 2006-2020; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	7.24%	Up to 72 Months
Details Term: Up to 72 Months ($10,000 loan); As Low As; Year: 2006-2020; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	7.49%	Up to 120 Months
Details Term: Up to 120 Months ($10,000 loan); As Low As; Year: 2023 and newer - 20 ft. minimum for extended terms; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	7.99%	Up to 180 Months
Details Term: Up to 180 Months (minimum $30,000 loan); As Low As; Year: 2023 and newer - 20 ft. minimum for extended terms; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	8.24%	Up to 120 Months
Details Term: Up to 120 Months ($10,000 loan); As Low As; Year: 2006-2020; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	8.49%	Up to 60 Months
Details As Low As; Year: 2005 and Older; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
RVs and Boats Loan	-	8.99%	Up to 240 Months
Details Term: Up to 240 Months (minimum $50,000 loan); As Low As; Year: 2023 and newer - 20 ft. minimum for extended terms; Relationship discounts (.25% automatic payment, .25% Relationship Rewards) apply; Effective Date: October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
IMAGINE Loans - Up to 24 months	-	-	9.99%	Up to 24 months
Details As Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Thursday, October 29th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount with $1,000+ new money and active checking with direct deposit; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans - Up to 48 Months	-	-	10.49%	Up to 48 Months
Details As Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Thursday, October 29th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount with $1,000+ new money and active checking with direct deposit; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans - Up to 72 Months	-	-	12.49%	Up to 72 Months
Details As Low As; Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses; Effective Date: Thursday, October 29th, 2026; Rate includes .25% automatic payment discount and .25% Relationship Rewards discount with $1,000+ new money and active checking with direct deposit; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Kwik Cash Line of Credit	-	-	10.50%
Details As Low As; Overdraft protection, credit card payoffs, miscellaneous expenses; Payment Terms: The greater of $16.00 or 4.000% of the balance at the time of the last advance; Effective Date: Thursday, October 29th, 2026; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loan - 10 Year Fixed (120 months)	6.25%	0.00%	6.428%	120 months
Details As Low As; Rates effective 10/09/2026; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loan - 15 Year Fixed (180 months)	6.625%	0.00%	6.753%	180 months
Details As Low As; Rates effective 10/09/2026; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loan - 20 Year Fixed (240 months)	6.875%	0.00%	6.978%	240 months
Details As Low As; Rates effective 10/09/2026; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.98% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage Loan - 30 Year Fixed (360 months)	7.25%	0.00%	7.331%	360 months
Details As Low As; Rates effective 10/09/2026; 1st mortgage, owner-occupied homes in Wisconsin; Membership Eligibility Required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.33% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Dream Account	0.15%	-	0.15%
Min Balance $1 Details Other fees may apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
eXtreme Fundz (ages 12-17)	0.03%	-	0.03%
Min Balance $25 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

UnitedOne Credit Union’s Texas Ratio rose from 1.04% in Q3 2023 to 1.62% 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

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
June 30, 2026	$348M	1.62%	5.0	A+
March 31, 2026	$337M	0.62%	5.0	A+
December 31, 2025	$329M	2.12%	5.0	A+
September 30, 2025	$321M	0.67%	5.0	A+
June 30, 2025	$318M	1.38%	5.0	A+
March 31, 2025	$316M	0.45%	5.0	A+
December 31, 2024	$307M	1.79%	5.0	A+
September 30, 2024	$310M	1.56%	5.0	A+
June 30, 2024	$311M	1.32%	5.0	A+
March 31, 2024	$310M	0.64%	5.0	A+
December 31, 2023	$303M	1.42%	5.0	A+
September 30, 2023	$303M	1.04%	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 UnitedOne 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 UnitedOne 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 UnitedOne Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UnitedOne Credit Union

Website https://www.unitedone.org

Address 1117 S 10th St, Manitowoc, WI 54220-5211

Phone 920-684-0361

Fax 920-684-1352

President Sherry Rezba

CEO Amy Sonnemann

Full-Time Employees 85

Part-Time Employees 17

Branch Locations 7

ATM Locations 7

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

1.62%

Return on Assets (ROA)

0.4617%

Return on Equity (ROE)

3.9050%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

348,321,544

Total Amount of Shares and Deposits

282,676,137

Total Shares and Deposits < 1 Year

281,163,727

Total Shares and Deposits 1 3 Years

1,421,015

Total Shares and Deposits > 3 Years

91,395

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

17,389,556

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

17,389,556

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

265,286,581

Total Interest Expense (Sum of items 6 8)

1,933,329

Share Certificates

1,370

Number of Accounts for Share Drafts

14,478

IRA KEOGH Accounts

771

Number of Accounts for Regular Shares

25,651

Money Market Shares

1,050

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

1,608,323

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)

8,773,787

Total Liabilities

309,063,242

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

UnitedOne 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About UnitedOne Credit Union

Does UnitedOne Credit Union offer CDs?

Yes. UnitedOne Credit Union current CD rates include its 11 Month CD at 4.35% APY, its 9 Month CD at 3.85% APY and its 1 Year CD at 2.75% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from UnitedOne Credit Union NCUA insured?

Yes. UnitedOne 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 UnitedOne Credit Union?

The highest UnitedOne Credit Union CD rate is its 11 Month CD at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does UnitedOne Credit Union offer?

UnitedOne Credit Union CD rates are 3.85% APY for a 9 month CD, 4.35% APY for an 11 month CD, 2.75% APY for a 12 month CD, 2.60% APY for an 18 month CD and 2.70% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with UnitedOne Credit Union for its full lineup.

What is the highest savings rate at UnitedOne Credit Union?

The highest UnitedOne Credit Union savings rate is its Open Savings IRA at 0.03% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at UnitedOne Credit Union?

The highest UnitedOne Credit Union money market rate is its AchieveOne Money Market at 2.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at UnitedOne Credit Union?

The highest UnitedOne Credit Union checking rate is its High Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at UnitedOne Credit Union?

The lowest UnitedOne Credit Union 30 year fixed mortgage rate is its Mortgage Loan - 30 Year Fixed (360 months) at 7.25%, verified by MonitorBankRates as of October 30, 2026. UnitedOne Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.625% for a 15 year mortgage and 6.25% for a 10 year mortgage.

What is the lowest auto loan rate at UnitedOne Credit Union?

The lowest UnitedOne Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does UnitedOne Credit Union operate?

UnitedOne 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 UnitedOne Credit Union?

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

Does UnitedOne Credit Union offer online and mobile banking?

Most modern institutions like UnitedOne 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.unitedone.org.

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 UnitedOne Credit Union rates compare?

UnitedOne Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has an A+ health rating. UnitedOne Credit Union's top rates are its 11 Month CD at 4.35% APY, its Open Savings IRA at 0.03% APY, its AchieveOne Money Market at 2.75% APY, its High Yield Checking at 5.00% APY, its Mortgage Loan - 10 Year Fixed (120 months) at 6.25% and its Auto Loan at 4.49% APR, verified by MonitorBankRates on October 30, 2026.

Current UnitedOne Credit Union Rates

12-Month CD2.75%
18-Month CD2.60%
24-Month CD2.70%
Savings0.03%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

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UnitedOne Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UnitedOne Credit Union Texas Ratio

UnitedOne Credit Union Health Trend

UnitedOne Credit Union CD Rates

UnitedOne Credit Union Savings Rates

UnitedOne Credit Union Money Market Rates

UnitedOne Credit Union Business Money Market Rates

UnitedOne Credit Union Checking Rates

UnitedOne Credit Union Mortgage Rates

UnitedOne Credit Union Home Equity & HELOC

UnitedOne Credit Union Auto Loan Rates

UnitedOne Credit Union RV, Boat and Powersport Loan Rates

UnitedOne Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UnitedOne Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About UnitedOne Credit Union

Does UnitedOne Credit Union offer CDs?

Are CDs from UnitedOne Credit Union NCUA insured?

What is the highest CD rate at UnitedOne Credit Union?

What CD terms does UnitedOne Credit Union offer?

What is the highest savings rate at UnitedOne Credit Union?

What is the highest money market rate at UnitedOne Credit Union?

What is the highest checking rate at UnitedOne Credit Union?

What is the lowest 30 year fixed mortgage rate at UnitedOne Credit Union?

What is the lowest auto loan rate at UnitedOne Credit Union?

How many branches does UnitedOne Credit Union operate?

Is a member application needed to join UnitedOne Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does UnitedOne Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do UnitedOne Credit Union rates compare?

Current UnitedOne Credit Union Rates

Compare to Other Credit Unions