Credit union · NCUA insured
United Employees Credit Union
Top CarrotA $67.3M credit union headquartered in Albert Lea, MN, with 3,973 members and 1 branch in Minnesota. Best rates: CDs 4.06% and savings 2.58% APY.
United Employees Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#1 of 8 in Albert Lea, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Employees Credit Union
United Employees Credit Union is based in Albert Lea, Minnesota, and opened in 1933 as Wilson & Company Albert Lea Employees Credit Union before adopting its current name in 1984.
The institution became a community credit union in 2003 and serves Freeborn and Mower counties.
- Headquarters
- 430 Bridge Ave, Albert Lea, MN 56007
- NCUA charter
- 60263
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live, work, worship, or attend school in Freeborn or Mower County.
Employers and groups
- Membership is available to employees of participating Member Employee Groups.
Family and household
- Membership is available to spouses, mothers, fathers, sisters, brothers, sons, daughters, or grandparents of current members.
Other ways
- Membership is available to individuals who previously had an account with UECU under once a member always a member.
Cost to join
- A deposit of $25.00 into a share account is required to join.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- United Employees Credit UnionMain office430 Bridge Ave, Albert Lea, MN 56007Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.19% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.80% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.61% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio14.19%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.80%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.61%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.