Credit union · NCUA insured
United Employees Credit Union Savings Rates
Top CarrotUnited Employees Credit Union’s best savings rate is 2.58% APY on $10,000, with its Tiered Money Market Accounts. Rates checked October 16, 2026.
How United Employees Credit Union’s savings 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
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Tiered Money Market Accounts
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
United Employees Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.58%
- $100,000 balance$100,0002.99%
- QualifiedQualified2.58%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tiered Money Market Accounts
2.58%APY
Dividends paid on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 2.58% | $258 |
| $20,000 and up | 2.99% | — |
Sources (1)
- unitedecu.com/rates.php · captured Sep 18, 2026
Member Share Account
0.25%APY
Represents member ownership in the Credit Union. Dividends are compounded and paid quarterly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service charge. Minimum opening balance of $25.00 represents member ownership. Dividends paid on average daily balance.Any balance | 0.25% | $25 | No monthly service charge. Minimum opening balance of $25.00 represents member ownership. Dividends paid on average daily balance. |
Special-purpose accounts
IRA Money Market
2.02%APY
Dividends paid on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 2.02% | $202 |
Sources (1)
- unitedecu.com/rates.php · captured Sep 18, 2026
IRA Savings
0.25%APY
Available as Traditional and Roth IRAs. Dividends are compounded and paid quarterly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements. Dividends compounded and paid quarterly on average daily balance.Any balance | 0.25% | $25 | No minimum balance requirements. Dividends compounded and paid quarterly on average daily balance. |
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.