--- title: "United Employees Credit Union Rates - Minnesota" description: "Current heloc, personal loan, and credit card rates from United Employees Credit Union in Minnesota. Updated daily with source verification. See who can join United Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/united-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Employees Credit Union Rates - Minnesota ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.290% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.390% | — | Standard | | **Home Equity Loan (Variable)** heloc_variable | — APR | 8.000% | — | Standard | United Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement - (variable)** personal | — APR | 8.500% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 9.990% | — | Standard | United Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 13.900% | — | Standard | United Employees Credit Union credit card rates as of November 12, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **2 Year Maximum Term** other | — % | 4.750% | — | Standard | | **3 Year Maximum Term** other | — % | 4.750% | — | Standard | | **4 Year Maximum Term** other | — % | 4.800% | — | Standard | | **5 Year Maximum Term** other | — % | 4.990% | — | Standard | | **6 Year Maximum Term** other | — % | 5.200% | — | Standard | | **7 Year Maximum Term** other | — % | 5.590% | — | Standard | | **Secured New Advances $3500 - $7499 (up to 48 months)** other | — % | 8.990% | — | Standard | | **Secured-New Advances less than $3500** other | — % | 9.990% | — | Standard | United Employees Credit Union other rates as of November 12, 2026 United Employees Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/united-employees) , verified from [United Employees Credit Union's official website](https://www.unitedecu.com/) Loading branch locator… ## About United Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4K Assets $67.3M Founded 1932 Locations reported 1 NCUA charter 60263 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Accentra** Accentra CU Albert Lea · Albert Lea · MN · 56007 About 0.3 miles away](https://rateapi.dev/credit-unions/minnesota/accentra) [**Trades & Labor** TRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526 About 2.5 miles away](https://rateapi.dev/credit-unions/minnesota/trades-labor) [**Affinity Plus** Albert Lea · Albert Lea · MN · 56007-4385 About 3.4 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Mower County Catholic Parishes** Credit Union Office · Austin · MN · 55912 About 17.2 miles away](https://rateapi.dev/credit-unions/minnesota/mower-county-catholic-parishes) [**Austin City Employees** ACECU · Austin · MN · 55912 About 17.9 miles away](https://rateapi.dev/credit-unions/minnesota/austin-city-employees) [**Citizens Community** Citizens Community Credit Union · Lake Mills · IA · 50450 About 19.8 miles away](https://rateapi.dev/credit-unions/iowa/citizens-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join United Employees Credit Union Membership eligibility from United Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Location freeborn, mower — MN - Employer Freeborn Co-op Oil Patrons, Streater Office Employees, Bridon Cordage, Burger King, Kerry Ingredients, Alpha School, Waste Management, Thornecrest Retirement Center, Crossroads Trailer Sales, Albert Lea Electroplating, St. John's Lutheran Home, Four Seasons Specialty Coffees, Vasco Inc., Schweigert Foods, Crest Group Home, Non-licensed Employees of School District #241, The Children's Center, Ring Can Corp., Interstate Motor Trucks, Hayward Cooperative, Alden Cooperative Elevator, Safe Air Repair Verified from [United Employees Credit Union's membership page](https://www.unitedecu.com/join.php) . Final membership determination is always made by the credit union. ## Membership rules for United Employees Credit Union Geography 2 counties · Employers 22 · Family 31 published paths to membership, last verified November 8, 2026, quoted from United Employees Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Freeborn County, MN - Mower County, MN “You live, work, worship or attend school in Freeborn or Mower County.” > [source ↗](https://www.unitedecu.com/join.php) ### Employers 22 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Freeborn Co-op Oil Patrons “Freeborn Co-op Oil Patrons” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Freeborn Co-op Oil Patrons - Employee of Streater Office Employees “Streater Office Employees” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Streater Office Employees - Employee of Bridon Cordage “Bridon Cordage” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Bridon Cordage - Employee of Burger King “Burger King” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Burger King - Employee of Kerry Ingredients “Kerry Ingredients” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Kerry Ingredients - Employee of Alpha School “Alpha School” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Alpha School - Employee of Waste Management “Waste Management” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Waste Management - Employee of Crossroads Trailer Sales “Crossroads Trailer Sales” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Crossroads Trailer Sales - Employee of Albert Lea Electroplating “Albert Lea Electroplating” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Albert Lea Electroplating - Employee of St. John's Lutheran Home “St. John's Lutheran Home” > [source ↗](https://www.unitedecu.com/join.php) - Employee of St. John's Lutheran Home - Employee of Four Seasons Specialty Coffees “Four Seasons Specialty Coffees” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Four Seasons Specialty Coffees - Employee of Vasco Inc. “Vasco Inc.” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Vasco Inc. - Employee of Schweigert Foods “Schweigert Foods” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Schweigert Foods - Employee of Crest Group Home “Crest Group Home” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Crest Group Home - Employee of Non-licensed Employees of School District #241 “Non-licensed Employees of School District #241” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Non-licensed Employees of School District #241 - Employee of The Children's Center “The Children's Center” > [source ↗](https://www.unitedecu.com/join.php) - Employee of The Children's Center - Employee of Ring Can Corp. “Ring Can Corp.” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Ring Can Corp. - Employee of Interstate Motor Trucks “Interstate Motor Trucks” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Interstate Motor Trucks - Employee of Hayward Cooperative “Hayward Cooperative” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Hayward Cooperative - Employee of Alden Cooperative Elevator “Alden Cooperative Elevator” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Alden Cooperative Elevator - Employee of Safe Air Repair “Safe Air Repair” > [source ↗](https://www.unitedecu.com/join.php) - Employee of Safe Air Repair - Retired employee of Thornecrest Retirement Center “Thornecrest Retirement Center” > [source ↗](https://www.unitedecu.com/join.php) - Retiree of Thornecrest Retirement Center ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, parent, sibling, child, grandparent “You are a spouse, mother, father, sister, brother, son, daughter, or grandparent of a current member.” > [source ↗](https://www.unitedecu.com/join.php) - Family member (spouse, parent, sibling, child, grandparent) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for United Employees Credit Union? Yes No ## Work at United Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where United Employees Credit Union ranks against Minnesota peers. - See which AI assistants fetched United Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=united-employees&state=minnesota&code=MN&name=United%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Employees Credit Union offer? United Employees Credit Union currently offers HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are United Employees Credit Union rates updated? RateAPI verifies United Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get United Employees Credit Union's rate data? Rate data is collected directly from United Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join United Employees Credit Union? United Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 31 published membership paths covering 2 counties and 22 employers for United Employees Credit Union, each quoted from United Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare United Employees Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota HELOC rate leaders](https://rateapi.dev/heloc-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.unitedecu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track United Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for United Employees Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /united-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/united-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp