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: 0.00%

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UnitedOne Credit Union

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UnitedOne Credit Union Rates & Review July 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 27, 2026

UnitedOne Credit Union's 3 Month rates are at 4.10%, 9 Month rates are at 4.10%, 1 Year Jumbo rates are at 2.85%, 2 Year Jumbo rates are at 2.80%, 1 Year rates are at 2.75%. UnitedOne Credit Union's savings rates are at 0.03%. UnitedOne Credit Union's money market rates are at 0.00%. UnitedOne Credit Union's 10 Year Fixed rates are at 5.75%, 10 Year Fixed (120 months) rates are at 5.75%, 10 Year Fixed (120 Months) rates are at 5.75%, 15 Year Fixed rates are at 6.00%, 15 Year Fixed (180 months) rates are at 6.00%. UnitedOne Credit Union's Personal Loan Rates are at 9.99%. 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 0.67%. Rates were last updated on 07/27/2026.

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.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.67%

Excellent Lower than avg

UnitedOne Credit Union
Main Office 10th Street

1117 S 10th St
Manitowoc, WI 54220 5211

https://www.unitedone.org

UnitedOne Credit Union CD Rates

Product	Rate	APY	Term
3 Month	4.04%	4.10%	3 Month
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
9 Month	4.04%	4.10%	9 Month
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
1 Year Jumbo	2.82%	2.85%	1 Year
Min Balance $10,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2 Year Jumbo	2.77%	2.80%	2 Year
Min Balance $10,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
1 Year	2.72%	2.75%	1 Year
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 Month	2.72%	2.75%	6 Month
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2 Year	2.67%	2.70%	2 Year
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 Month	2.58%	2.60%	18 Month
Min Balance $5,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 Year	2.48%	2.50%	3 Year
Min Balance $5,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
4 Year Jumbo	2.19%	2.21%	4 Year
Min Balance $10,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
4 Year	2.09%	2.11%	4 Year
Min Balance $1,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Min Balance $1 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Saver's Sweepstakes®	0.10%	0.10%
Min Balance $100 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mates Club (Ages 0-11)	0.03%	0.03%
Min Balance $25 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Open Savings IRA	0.03%	0.03%
Min Balance $25 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Money Market Rates

Product	Rate	APY
AchieveOne Money Market	2.72%	2.75%
Min Balance $1,000,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	2.72%	2.75%
Min Balance $1,000,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	2.47%	2.50%
Min Balance $500,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	2.47%	2.50%
Min Balance $500,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	2.23%	2.25%
Min Balance $200,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	2.23%	2.25%
Min Balance $200,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	1.74%	1.75%
Min Balance $100,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	1.74%	1.75%
Min Balance $100,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	1.69%	1.70%
Min Balance $75,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	1.69%	1.70%
Min Balance $75,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	0.80%	0.80%
Min Balance $50,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	0.80%	0.80%
Min Balance $50,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	0.60%	0.60%
Min Balance $25,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	0.60%	0.60%
Min Balance $25,000 Details To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business Money Market	0.35%	0.35%
Min Balance $25,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Money Market	0.35%	0.35%
Min Balance $25,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business Money Market	0.25%	0.25%
Min Balance $15,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Money Market	0.25%	0.25%
Min Balance $15,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business Money Market	0.15%	0.15%
Min Balance $5,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Money Market	0.15%	0.15%
Min Balance $5,000 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business Money Market	0.03%	0.03%
Min Balance $0 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Money Market	0.03%	0.03%
Min Balance $0 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
AchieveOne Money Market	-	0.00%
Min Balance $0 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Business AchieveOne Money Market	-	0.00%
Min Balance $0 Details No dividends earned on balances less than $25,000. To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	4.89%	5.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $7,500 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
High Yield Checking	0.10%	0.10%
Min Balance $0 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
High Yield Checking	0.03%	0.03%
Min Balance $0 Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	5.75%	0.00%	5.93%	120 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
15 Year Fixed	6.00%	0.00%	6.13%	180 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
20 Year Fixed	6.38%	0.00%	6.48%	240 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mortgage	-	-	6.75%	30 years
No additional details. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
30 Year Fixed	6.75%	0.00%	6.83%	360 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Mortgage & Home Equity Loan Rates - Home Equity 10 Year Fixed (120 months)	5.75%	0.00%	5.93%	120 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 10 Year Fixed (120 Months)	5.75%	0.00%	6.09%	120 Months
Details Rates quoted are available only on owner-occupied homes located in Wisconsin. Membership eligibility is required. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 15 Year Fixed (180 months)	6.00%	0.00%	6.13%	180 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 20 Year Fixed (240 months)	6.38%	0.00%	6.48%	240 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Mortgage & Home Equity Loan Rates - Home Equity 30 Year Fixed (360 months)	6.75%	0.00%	6.83%	360 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	60 months
Details APR* as low as Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
New & Used Auto Loans	-	-	4.49%
Details APR* as low as 4.49 % Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

UnitedOne Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	9.99%
No additional details. Last Updated 07/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

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.

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 Kim Rooney

Full-Time Employees 84

Part-Time Employees 10

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+ (100/100)

Texas Ratio

0.67%

Return on Assets (ROA)

0.5271%

Return on Equity (ROE)

4.3026%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

321,013,161

Total Amount of Shares and Deposits

269,793,166

Total Shares and Deposits < 1 Year

266,605,092

Total Shares and Deposits 1 3 Years

3,114,543

Total Shares and Deposits > 3 Years

73,532

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

13,891,176

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

13,891,176

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

255,901,990

Total Interest Expense (Sum of items 6 8)

3,051,976

Share Certificates

1,292

Number of Accounts for Share Drafts

14,355

IRA KEOGH Accounts

805

Number of Accounts for Regular Shares

25,810

Money Market Shares

1,084

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

1,691,901

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,446,875

Total Liabilities

283,869,645

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

UnitedOne Credit Union earned the Exceptional Health badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About UnitedOne Credit Union

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.

Current UnitedOne Credit Union Rates

12-Month CD2.75%
18-Month CD2.60%
24-Month CD2.70%
Savings0.03%
MMA0.00%

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

Compare to Other Credit Unions

UnitedOne Credit Union Rates & Review July 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

UnitedOne Credit Union Texas Ratio

UnitedOne Credit Union CD Rates

UnitedOne Credit Union Savings Rates

UnitedOne Credit Union 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 Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

UnitedOne Credit Union earned the Exceptional Health badge

Customer Reviews

Frequently Asked Questions About 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?

Current UnitedOne Credit Union Rates

Compare to Other Credit Unions