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University Credit Union Deposit Rates

University Credit Union is there for members with competitive deposit rates. Plus, you won't have to pay any monthly maintenance fees.

Rates and terms are effective as of April 1, 2014 and subject to change without notice.

Share Certificate Accounts APY
(Annual Percentage Yield)
Dividend Rate
$100,000 minimum
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%
6 months 0.15% 0.15%
$50,000 minimum
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%
6 months 0.15% 0.15%
$25,000 minimum
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%
6 months 0.15% 0.15%
$2,500 minimum
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%
6 months 0.15% 0.15%
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 0.12%

0.12%

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 0.05% 0.05%
$10,000 - $24,999.99 0.12% 0.12%
$25,000 & above 0.12% 0.12%
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   0.05%   0.05%
$1,500 - $2,499.99   0.05%   0.05%
$2,500 & above   0.05%   0.05%
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
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%
Variable-Rate Certificate
18-month term 0.06% 0.06%

IRAs are separately insured up to $250,000 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.


Coverdell Education Savings Account (ESA) APY Dividend Rate
Coverdell Certificate
2 years 0.30% 0.30%
18 months 0.25% 0.25%
1 year 0.20% 0.20%

$100 minimum opening balance. Fixed-Rate Coverdell Certificate rates are subject to change daily. Upon opening a Fixed-Rate Coverdell Certificate, rate is fixed for the term. Early withdrawal penalties apply.

Coverdell Share Account
$100 & above 0.12% 0.12%

$100 minimum opening balance. Dividends calculated daily. Rates subject to change monthly.


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Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
University Credit Union is an Equal Housing Lender.
University Credit Union is an Equal Housing Lender.

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