--- title: "Unitedone Credit Union Rates (Nov 2026): Mortgage 7.08%" description: "Unitedone Credit Union rates today: 30 year fixed mortgage 7.08% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Unitedone Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/unitedone" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Unitedone Credit Union Rates (Nov 2026): Mortgage 7.08% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30 Year Fixed (360 months)** 30 year fixed | 7.080% APR | 7.000% | — | Standard | | **15 Year Fixed (180 months)** 15 year fixed | 6.502% APR | 6.375% | — | Standard | | **10 Year Fixed (120 Months)** 10 year fixed | — APR | 5.750% | — | Standard | | **10 Year Fixed (120 months)** 10 year fixed | 6.428% APR | 6.250% | — | Standard | | **20 Year Fixed (240 months)** 20 year fixed | 6.602% APR | 6.500% | — | Standard | | **Mortgage** other | — APR | 7.000% | — | Standard | Unitedone Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Up to 72 Months ($10,000 loan)** auto_any_72mo | — APR | 5.740% | 72 mo | Standard | | **Up to 120 Months ($10,000 loan)** auto_any_120mo | — APR | 7.490% | 120 mo | Standard | | **Up to 180 Months (minimum $30,000 loan)** auto_any_180mo | — APR | 7.990% | 180 mo | Standard | | **Up to 240 Months (minimum $50,000 loan)** auto | — APR | 8.990% | — | Standard | Unitedone Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.750% | — | Standard | Unitedone Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **72-Month Share-Secured Loan** personal_secured_72mo | — APR | 4.250% | 72 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 9.990% | 24 mo | Standard | Unitedone Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) (Up to 24 months)** credit_card | — APR | 9.990% | — | Standard | | **IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) (Up to 48 Months)** credit_card | — APR | 10.490% | — | Standard | | **The greater of $16.00 or 4.000% of the balance at the time of the last advance** credit_card | — APR | 10.500% | — | Standard | | **IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) (Up to 72 Months)** credit_card | — APR | 12.490% | — | Standard | Unitedone Credit Union credit card rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Interest rate.** other | — % | 5.625% | — | Standard | | **APR.** other | — % | 5.756% | — | Standard | Unitedone Credit Union other rates as of November 12, 2026 As of November 12, 2026, Unitedone Credit Union offers a 30-year fixed mortgage at 7.08% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/unitedone) , verified from [Unitedone Credit Union's official website](https://www.unitedone.org/) Best product position **Better than the Wisconsin median** 30-year fixed mortgage Gap to state best **4 bp** 4 bp from state best Vs. state median **13 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Wisconsin markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.08% | Better than the Wisconsin median | 4 bp from state best | 13 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Unitedone Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=unitedone&state=wisconsin&code=WI&name=Unitedone%20Credit%20Union) Loading branch locator… ## About Unitedone Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 19K Assets $336.5M Founded 1938 Locations reported 7 NCUA charter 67248 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - 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. [**Kohler** RAPIDS ROAD · MANITOWOC · WI · 54220-3406 About 1.2 miles away](https://rateapi.dev/credit-unions/wisconsin/kohler) [**Shoreline** Manitowoc Branch · Manitowoc · WI · 54220 About 1.6 miles away](https://rateapi.dev/credit-unions/wisconsin/shoreline) [**Fox Communities** Manitowoc · Manitowoc · WI · 54220-5441 About 1.6 miles away](https://rateapi.dev/credit-unions/wisconsin/fox-communities) [**Community First** Community First Credit Union - Manitowoc · Manitowoc · WI · 54220 About 2.0 miles away](https://rateapi.dev/credit-unions/wisconsin/community-first) [**Holy Family Memorial** Holy Family Memorial Credit Union · Manitowoc · WI · 54220 About 2.4 miles away](https://rateapi.dev/credit-unions/wisconsin/holy-family-memorial) [**Verve, A Credit Union** Brillion · Brillion · WI · 54110 About 17.9 miles away](https://rateapi.dev/credit-unions/wisconsin/verve-a-credit-union) 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 Unitedone Credit Union Membership eligibility from Unitedone Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Unitedone Credit Union's website. Check the membership page below to confirm whether you qualify. - Location manitowoc, sheboygan, kewaunee, door — WI Verified from [Unitedone Credit Union's membership page](https://www.unitedone.org/join-unitedone) . Final membership determination is always made by the credit union. ## Membership rules for Unitedone Credit Union Geography 4 counties · Family 2 10 published paths to membership, last verified August 27, 2026, quoted from Unitedone Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Door County, WI - Kewaunee County, WI - Manitowoc County, WI - Sheboygan County, WI “You can join UnitedOne if you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee or Door counties.” > [source ↗](https://www.unitedone.org/join-unitedone) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “You can join UnitedOne if you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee or Door counties.” > [source ↗](https://www.unitedone.org/join-unitedone) - Family member (immediate family member) of a member - Family of a member immediate family “You can join UnitedOne if you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee or Door counties.” > [source ↗](https://www.unitedone.org/join-unitedone) - Family member (immediate family) 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 Unitedone Credit Union? Yes No ## Work at Unitedone 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 Unitedone Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Unitedone Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=unitedone&state=wisconsin&code=WI&name=Unitedone%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Unitedone Credit Union offer? Unitedone Credit Union currently offers mortgage, Auto loan, 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 Unitedone Credit Union rates updated? RateAPI verifies Unitedone 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 Unitedone Credit Union's rate data? Rate data is collected directly from Unitedone Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Unitedone Credit Union's mortgage rate? As of November 12, 2026, Unitedone Credit Union offers a 30-year fixed mortgage at 7.08% APR. ### Who can join Unitedone Credit Union? Unitedone Credit Union publishes its membership criteria on its own website. RateAPI tracks 10 published membership paths covering 4 counties for Unitedone Credit Union, each quoted from Unitedone Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Unitedone Credit Union's rates against national credit-union benchmarks. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin mortgage rate leaders](https://rateapi.dev/mortgage-rates/wisconsin) [Wisconsin auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin HELOC rate leaders](https://rateapi.dev/heloc-rates/wisconsin) [Wisconsin personal loan leaders](https://rateapi.dev/personal-loan-rates/wisconsin) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.unitedone.org/) ### 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 Unitedone Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin 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 Unitedone Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /unitedone " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Unitedone Credit Union locations Search, filter, and browse all 7 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/wisconsin/unitedone Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp