Credit union · NCUA insured
UnitedOne Credit Union
Top CarrotA $336.5M credit union headquartered in Manitowoc, WI, with 18,992 members and 7 branches in Wisconsin. Best rates: CDs 4.35% and savings 0.15% APY.
UnitedOne Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#3 of 16 in Sheboygan, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UnitedOne Credit Union
Founded in 1938, UnitedOne Credit Union is a member-owned financial institution serving Manitowoc, Sheboygan, Kewaunee, and Door counties in Wisconsin.
- Headquarters
- 1117 S 10th St, Manitowoc, WI 54220-5211
- NCUA charter
- 67248
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live or work in Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Family and household
- Immediate family members of individuals who live or work in Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Cost to join
- An additional $25 deposit is required for a checking account if ordering checks.
- Opening a Primary Share Savings account requires a minimum share deposit of $5.
Branches
7 branches in Wisconsin
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Wisconsin
7 branches
Sheboygan area · 4
- Sheboygan Downtown733 N 8th St, Sheboygan, WI 53081Directions
- Sheboygan Memorial Branch3400 Union Ave, Sheboygan, WI 53081Directions
- Sheboygan North Branch2122 Superior Ave, Sheboygan, WI 53081Directions
- Sheboygan South Branch3509 Washington Avenue S Frontage Rd, S. Frontage Road, Sheboygan, WI 53081Directions
Manitowoc area · 3
- Main Office - 10th StreetMain office1117 S 10th St, Manitowoc, WI 54220Directions
- Menasha Ave Branch2401 Menasha Ave, Manitowoc, WI 54220Directions
- Walmart Branch4115 Calumet Ave, Manitowoc, WI 54220Directions
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 | 11.82% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.95% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $102 | $76 | — |
- CapitalNet worth ratio11.82%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$102Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 UnitedOne Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.