Rates

*APY = Annual Percentage Yield.

¹APY is accurate as of 1/1/2026 and subject to change or end at any time. Dividend rate is 2.716%. 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 2.75% 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 accounts opened prior 08/03/2026; new accounts are no longer offered.

²A $5 minimum balance is required to maintain membership.

³To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.

Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate of 0.05% APY. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.

⁴To earn 2.25% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.227%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 2.75% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate of 0.05% APY.

Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active Smart Checking Account. Fees could reduce the earnings on the account. APY is accurate as of the last dividend declaration date. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. No minimum balance is required. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a Smart Checking Account. All accounts are subject to approval. For other details regarding this account, you can reference your account disclosures, which detail all other terms and conditions.

⁵Some fees may apply. Ask us for further information about the terms and fees that apply to these accounts.

⁶Some fees may apply. Ask us for further information about the terms and fees that apply to these accounts.

⁷Minimum opening deposit is $1,000. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. To earn the advertised dividend rate and APY, members must: Maintain an active University Credit Union (UCU) checking account under the same member number; and receive Qualifying Deposits totaling at least $1,000 during each calendar month. Qualifying Deposits include direct deposits, ACH credits, Zelle, Venmo and PayPal transfers, cash and check deposits, and incoming wire transfers. Transfers between UCU accounts under common ownership, chargebacks, and UCU promotional incentive payments do not qualify. If these requirements are not met during a calendar month, the account will earn the default dividend rate and corresponding APY in effect for that month (currently 0.05% APY). Members who meet the requirements will earn the dividend rate and APY applicable to their balance tier. The dividend rate and APY for the applicable balance tier will be paid on the entire account balance. All rates and terms are subject to change without notice. Refer to the Schedule of Fees and Charges for additional information. For complete account details, including limitations, see the Money Market Plus Account Overview and applicable account agreements.

Money Market Plus is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are contingent upon meeting the checking account requirements described below. Rates are accurate as of the last dividend declaration date. Click here for Money Market Plus detailed disclosures.

⁸Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Schedule of Fees and Charges for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements.

Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures.

⁹Minimum balance to open is $10,000. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.

¹⁰Available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

¹¹Special Promotional certificate will renew as a 24-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

¹²Special promo rate is 4.00% APY based on dividend rate of 3.928%. Promotional rate in effect as of March 2, 2026. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. Minimum opening deposit is $500. Minimum balance to obtain APY is $500. Maximum deposit is $7,500.

Promotional rates are subject to change or end without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

To be eligible, must be a new or existing University Credit Union member who is in good standing and who maintains either an active loan or an active checking account. An active loan includes any current term loan with an outstanding balance, any credit card with an outstanding balance or with at least one posted transaction within the preceding thirty days, and any home equity line of credit (HELOC) with an outstanding balance or with at least one posted transaction within the preceding thirty days. An active checking account is defined as a checking account with at least one posted transaction within the preceding thirty days. Only one Diamond Anniversary Certificate may be opened per primary membership, and the product is not available to joint members unless they qualify under their own primary membership. Eligibility is limited to primary members whose account classifications are 0000 General Membership, 0002 Employee, 0003 Board of Directors, or 0006 Revocable Trust. All other account types are not eligible to open a Diamond Anniversary Certificate. Traditional or Roth IRA certificates will not be eligible to be opened under this promotion.

¹³The Annual Percentage Yield (APY) is 3.50%, and the Dividend Rate is 3.445%. The disclosed APY and Dividend Rate are accurate as of August 1, 2026. Rates offered on new certificates may change at any time. Once opened, the certificate's Dividend Rate and APY will remain fixed until maturity unless the member exercises the one-time Bump-Up feature. The APY assumes dividends remain on deposit until maturity. Dividends are compounded and credited monthly. Minimum balance to open certificate is $500. The certificate has a 24-month term. No additional deposits are permitted after the account is opened. This Bump-Up Certificate allows the member to request a one-time increase to the account’s Dividend Rate and corresponding APY during the original 24-month term. The member must request the rate increase. The rate increase is not automatic. Upon receipt of an eligible member request, the Dividend Rate and corresponding APY will be increased to the Dividend Rate and APY then in effect for the credit union's 24‑month published certificate. The adjusted rate and APY will apply only from the effective date of the rate increase forward. The adjusted rate and APY will not apply retroactively to dividends previously earned. The certificate’s original maturity date will not change as a result of exercising the Bump-Up feature. One-time rate increase available beginning on the 11th calendar day after account opening and prior to maturity. The account is subject to the credit union’s standard early withdrawal penalties. A penalty may be imposed for withdrawals before maturity. Early withdrawal penalties may reduce earnings on the account. Membership eligibility required.

¹⁴Available only on new money deposited to UCU. Minimum balance to open is $10,000. Early withdrawal penalties may apply to Share Certificates. Amount of Penalty. The amount of the penalty depends on the term of the account. For certificates with terms of six months or less, the penalty is all dividends earned as of the date of the withdrawal. For certificates with terms greater than six months up to 18 months, the penalty is 90 days' dividends. For certificates with terms greater than 18 months up to 30 months, the penalty is 180 days' dividends. For certificates with terms greater than 30 months and up to 60 months, the penalty is 365 days' dividends. How the Penalty Works. The penalty is calculated on the amount of early withdrawal. It applies irrespective of whether the dividends have already been earned or not. If accrued dividends are insufficient to pay the penalty, it will be deducted from principal.

After the certificate account is opened, additional deposits may not be made to the account. Certificate accounts are automatically renewable accounts. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. There is a grace period of ten days after maturity. At maturity and during the ten-day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.

¹⁵Early withdrawal penalties may apply to Share Certificates. After the certificate account is opened, additional deposits may not be made to the account. Certificate accounts are automatically renewable accounts. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. There is a grace period of ten days after maturity. At maturity and during the ten day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. All rates and terms subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.

¹⁶APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to seven model years old and newer.

¹⁷Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member’s loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.

¹⁸Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of 12/11/2025, and are subject to change based on market conditions and borrower eligibility.

¹⁹Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised.

²⁰This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000.

²¹Rates are based on an evaluation of credit history and other factors specific to your personal line of credit and may be higher than the lowest rates advertised. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. The current index for this quarter as of 12/11/2025 is 6.75%.