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%

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UnitedOne Credit Union

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UnitedOne Credit Union Rates & Review October 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 and Verified: October 9, 2026

UnitedOne Credit Union's top rates as of October 9, 2026 are 4.35% APY on its 11 Month CD, 0.03% APY on savings, 2.75% APY on money market accounts, 5.00% APY on checking, 6.25% on its 10 Year Fixed mortgage, personal loans from 9.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other UnitedOne Credit Union CD rates include 11 Month Share/IRA CD at 4.35%, 6 Month CD at 4.10%, and 9 Month CD at 3.85%. Other UnitedOne Credit Union mortgage rates include 15 Year Fixed at 6.62%, 20 Year Fixed at 7.00%, and Mortgage at 7.25%. 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 10/09/2026.

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 Q2 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 Certificate	4.281%	4.35%	11 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
11 Month Share/IRA Certificate	4.281%	4.35%	11 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
6 Month Certificate	4.038%	4.10%	6 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
9 Month Certificate	3.796%	3.85%	9 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
9 Month Share/IRA Certificate	3.796%	3.85%	9 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
3 Month Certificate	2.967%	3.00%	3 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
3 Month Share/IRA Certificate	2.967%	3.00%	3 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
1 Year Jumbo Share/IRA Certificate	2.82%	2.85%	1 Year
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
2 Year Jumbo Share/IRA Certificate	2.771%	2.80%	2 Year
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
1 Year Certificate	2.722%	2.75%	1 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
1 Year Share/IRA Certificate	2.722%	2.75%	1 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
2 Year Certificate	2.673%	2.70%	2 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
2 Year Share/IRA Certificate	2.673%	2.70%	2 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
18 Month Certificate	2.575%	2.60%	18 Month
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
18 Month Share/IRA Certificate	2.575%	2.60%	18 Month
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
3 Year Certificate	2.477%	2.50%	3 Year
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
3 Year Share/IRA Certificate	2.477%	2.50%	3 Year
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
4 Year Jumbo Share/IRA Certificate	2.192%	2.21%	4 Year
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
4 Year Certificate	2.094%	2.11%	4 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
4 Year Share/IRA Certificate	2.094%	2.11%	4 Year
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.11% APY · checked 6 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Saver's Sweepstakes	0.10%	0.10%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 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 Details Age: 0-11 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.349%	0.35%
Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.25%	0.25%
Min Balance $15,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.15%	0.15%
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Money Market	0.03%	0.03%
Min Balance $0 Details Balance: Less than $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.15% → 0.03% ▼ 0.12 pts · high 0.15% / low 0.03% Sep 22, 20260.03%▼ from 0.15% Sep 18, 20260.15%first recorded 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 7 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 7 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 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; 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	4.889%	5.00%
Min Balance $7,500 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $7,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
High Yield Checking	0.10%	0.10%
Min Balance $0 Details Balance: Greater than $7,500 Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 5.00% / low 0.10% Oct 5, 20260.10%▼ from 5.00% Oct 1, 20265.00%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
High Yield Checking	0.03%	0.03%
Details Balance: Qualifications not met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.25%	0.00%	6.428%	120 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 1 change since Sep 16, 2026 · 5.93% → 6.43% ▲ 0.50 pts · high 6.43% / low 5.93% Oct 5, 20266.43%▲ from 5.93% Sep 16, 20265.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
15 Year Fixed	6.625%	0.00%	6.753%	180 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 5, 20266.75%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
20 Year Fixed	7.00%	0.00%	7.104%	240 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 2 changes since Sep 16, 2026 · 6.73% → 7.10% ▲ 0.38 pts · high 7.23% / low 6.73% Oct 5, 20267.10%▼ from 7.23% Sep 26, 20267.23%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage	-	-	7.25%	30 years
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88% Sep 26, 20267.25%▲ from 7.00% Sep 22, 20267.00%▲ from 6.88% Sep 18, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
30 Year Fixed	7.25%	0.00%	7.331%	360 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 2 changes since Sep 16, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95% Sep 26, 20267.33%▲ from 7.08% Sep 22, 20267.08%▲ from 6.95% Sep 16, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
10 Year Fixed (120 Months) Home Equity Loan	5.75%	0.00%	6.089%	120 Months
Details Rates As Low As; Relationship Rewards pricing for qualifying members. Relationship Rewards eligibility is based on certain account relationship requirements. Contact UnitedOne Credit Union for complete program details and qualification requirements. Closing costs vary and are paid by the borrower. A Loan Estimate detailing estimated closing costs is available upon request. Rates quoted are available only for owner-occupied properties located in Wisconsin. Private mortgage insurance (PMI) may be required for first mortgage loans with an LTV exceeding 80%. APR and payment example are based on a $25,000 home equity loan with a credit score above 740 and an 80% LTV, amortized over 120 months. Payment examples do not include taxes, insurance, or other applicable costs, so actual payment obligations may be higher. All loans are subject to credit approval. Not all applicants will qualify, and not all applicants will qualify for the lowest advertised rate. Additional home equity loan products and programs are available. Home Equity Lines of Credit (HELOCs) are not eligible for this offer. Membership eligibility is required. Equal Housing Lender. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 10 Year Fixed	6.25%	0.00%	6.428%	120 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 1 change since Sep 16, 2026 · 5.93% → 6.43% ▲ 0.50 pts · high 6.43% / low 5.93% Oct 5, 20266.43%▲ from 5.93% Sep 16, 20265.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 15 Year Fixed	6.625%	0.00%	6.753%	180 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 5, 20266.75%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 20 Year Fixed	7.00%	0.00%	7.104%	240 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 2 changes since Sep 16, 2026 · 6.73% → 7.10% ▲ 0.38 pts · high 7.23% / low 6.73% Oct 5, 20267.10%▼ from 7.23% Sep 26, 20267.23%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Mortgage & Home Equity Loan - Home Equity 30 Year Fixed	7.25%	0.00%	7.331%	360 months
Details Interest rates and APRs (Annual Percentage Rate) are effective as of 10/01/2025 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 10/09/2026 Rate History 2 changes since Sep 16, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95% Sep 26, 20267.33%▲ from 7.08% Sep 22, 20267.08%▲ from 6.95% Sep 16, 20266.95%first recorded 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
New & Used Auto Loans	-	-	4.49%
Details Cars, Trucks, ATV's & More Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Credit Card Rates

Product	Rate	APR
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	-	9.99%
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	-	10.49%
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	-	12.49%
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Personal Loan Rates

Product	APR	Term
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	9.99%	Up to 24 months
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	10.49%	Up to 48 Months
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)	12.49%	Up to 72 Months
Details As Low As; Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%

UnitedOne Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Line of Credit	-	-	10.50%	16 months
Details Term: The greater of $16.00 or 4.000% of the balance at the time of the last advance; As Low As; Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.62%
Dream Account	0.15%	-	0.15%
Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 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 Details Age: 12-17 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 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.
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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

Q2 2026 MBR Health & Safety Badge

UnitedOne Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

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%
MMA2.75%

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

Compare to Other Credit Unions

UnitedOne Credit Union Rates & Review October 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 Credit Card Rates

UnitedOne Credit Union Personal 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

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