High Yield Savings Account

University Credit Union is a not-for-profit, financial co-operative committed to giving member-owners a financial advantage for more than 70 years. Our High Yield Savings Account is a steady, dependable way to grow your savings with one of the nation's highest-earning rates.

Get Started

Earn 3.50% APY*

Watch your savings grow faster with a rate that is almost 100% more than the national average
This high-earning product is available for new money only
Your savings are federally insured by the NCUA up to $250,000

Bank with your brain. Earn more with our rates.

Add money to your account through automatic deposits.

No monthly fees or penalties.

Only a $5 minimum deposit to open your account, and a $2,500 minimum balance to earn dividends.

Our powerful digital banking tools will make managing your High Yield Savings Account a breeze. And if you're worried about the security of your savings, don't be - your funds are insured up to $250,000 by the NCUA.

Complete your membership application and open your high yield savings account in minutes:

Open Account

*APY = Annual Percentage Yield. APY is accurate as of 1/1/25 and subject to change or end at any time. Dividend rate is 3.445%. Minimum opening deposit is $5. Minimum balance required to earn APY is $2,500.00. The High Yield Savings Account is a tiered rate account. 0% APY for a balance less than $2,500.00 and 3.50% APY for balances $2,500.00 and more. The APY for each balance tier is variable and is subject to change after the account is opened. High Yield Savings Account is only available for new money deposited to UCU. New money is money not currently or previously held in a UCU account.

Find a location near you

You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches

Find a branch

Holiday Closing Reminder: UCU will be closed Friday, July 4 for Independence Day.

Banking