Credit union · NCUA insured
United Employees Credit Union CD Rates
Top CarrotUnited Employees Credit Union’s best CD rate is 4.06% APY on a 3-month share certificate (CD). Terms run from 3 months to 30 months. Rates checked October 16, 2026.
How United Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Albert Lea, MN, where United Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Employees Credit Union
4.06%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $101
Share Certificates (CDs)
Top rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
United Employees Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Employees Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates (CDs)
Up to 4.06%APY · 4 terms
Dividends paid at maturity or annually. Anticipated Rates - Dividends Paid on Average Daily Balance. Each Account Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 day term | 4.06% | $101 |
| 6 months6 month term | 3.78% | $187 |
| 12 months1 year term | 4.00% | $400 |
| 30 months30 month term | 4.00% | $1,030 |
Special-purpose accounts
IRA Share Certificates
4.10%APY · 1 term
We offer both Traditional and ROTH IRAs. Dividends are compounded and paid annually. Anticipated Rates - Dividends Paid on Average Daily Balance. Each Account Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 month term. Traditional and Roth IRA Share Certificates available | 4.10% | $621 |
Who can join United Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.