University Credit Union Savings Rates

Surcharge-free and transaction charge-free cash withdrawals at CO-OP ATMs

University Credit Union is there for members with competitive savings rates. Plus, you won't have to pay any monthly maintenance fees. Rates and terms are subject to change without notice. Savings and Certificate rates are effective as of July 1, 2008.

Share Certificate Accounts APY
(Annual Percentage Yield) Dividend Rate

$100,000 minimum

2 years 2.33% 2.30%

18 months 2.28% 2.25%

1 year 2.28% 2.25%

6 months 2.53% 2.50%

$50,000 minimum

2 years 2.28% 2.25%

18 months 2.22% 2.20%

1 year 2.22% 2.20%

6 months 2.48% 2.45%

$25,000 minimum

2 years 2.28% 2.25%

18 months 2.22% 2.20%

1 year 2.22% 2.20%

6 months 2.48% 2.45%

$2,500 minimum

2 years 2.22% 2.20%

18 months 2.17% 2.15%

1 year 2.17% 2.15%

6 months 2.38% 2.35%

Certificate terms: 2 years = 730 days, 18 months = 547 days, 1 year = 365 days and 6 months = 182 days. Dividend rates are fixed for full term upon initiation of Share Certificate Account. Dividend rates quoted are subject to change daily. Early withdrawal penalties will apply.

Market Rate Account APY Dividend Rate

$2,500 & above 2.53%
2.50%

Minimum balance of $2,500 must be maintained to earn dividends. Rate is variable and subject to change monthly. Dividends are calculated based on the balance at the end of each business day.

Share/Savings Account APY Dividend Rate

$25 - $9,999.99 1.26% 1.25%

$10,000 - $24,999.99 1.41% 1.40%

$25,000 & above 1.92% 1.90%

Dividends are calculated based on the balance at end of the business day. Dividend rates are variable and subject to change monthly.

Interest Checking Account APY Dividend Rate

$1,000 - $1,499.99 .20% .20%

$1,500 - $2,499.99 .40% .40%

$2,500 & above .65% .65%

These dividends do not apply to the non-interest/Free Checking Account.
Dividends are calculated based on the balance at end of the business day. Dividend rates are variable and subject to change monthly.

Individual Retirement Account (IRA) APY Dividend Rate

Fixed-Rate Certificate

24-month term 2.33% 2.30%

18-month term 2.28% 2.25%

12-month term 2.28% 2.25%

Variable-Rate Certificate

18-month term 2.16% 2.14%

IRAs are separately insured up to $500,000 per member account. Fixed and Variable IRA Certificates require a $100 minimum opening deposit. Dividend rates on Fixed-Rate Certificates are fixed for full term upon initiation of IRA Certificate. The Fixed dividend rates quoted are subject to change daily. Dividend rates on Variable-Rate Certificates are subject to change quarterly. Early withdrawal penalties will apply.

Your savings federally insured to at least $100,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
An additional $250,000 of coverage provided by American Share Insurance (ASI), a private corporation.

Applications:

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Related Links:

Deposit Slip

Loan Rates

For more information, please e-mail us or call (310) 477-6628.