dad and son riding a bike

Our Bold Beginnings

It all started with a bold move to address a major need. In 1927, the Credit Union that eventually became Unity One Credit Union was created by a small group of railway clerks with the Great Northern Railroad located in Minnesota.

They recognized the need to provide an alternative to "for-profit" financial institutions that wouldn't make loans to people of average means—and when they did, they charged high rates and fees. That bold, against the grain spirit still guides us today.

We promote thrift and provide low-cost loans to members, exemplifying the "people helping people" credit union philosophy. Unlike other financial institutions, we work for your benefit and bring smart solutions to the table to help you live life more boldly. That's our purpose as a member-owned, not-for-profit cooperative.

To reflect this unique benefit of credit union membership, our profits are returned to members in the form of lower rates on loans and greater returns on savings and investment accounts. Another benefit is our volunteer Board of Directors who is elected by the membership and who works to secure your financial goals.

View The 2018 Annual Report