Money Market rates
Earnings that grow with your savings.
Money Market Rates
Minimum Balance To Earn Dividends
Dividend Rate
Annual Percentage Yield (APY)*
$2,500-$9,999
1.144%
1.15%
$10,000-$24,999
1.144%
1.15%
$25,000-$99,999
1.144%
1.15%
$100,000+
1.342%
1.35%
- Disclosure + -
Rates current as of November 1, 2025. Rates subject to change without notice.
Money Market Plus Rates
Minimum Balance To Earn Dividends1
Dividend Rate
Annual Percentage Yield (APY)*
$25-$24,999
0.050%
0.05%
$25,000-$49,999
2.472%
2.50%
$50,000-$99,999
2.667%
2.70%
$100,000-$249,999
2.960%
3.00%
$250,000+
3.203%
3.25%
- Disclosure + -
Rates current as of August 3, 2026. Rates subject to change without notice.
Money Market Advantage Rates
Minimum Balance To Earn Dividends2
Dividend Rate
Annual Percentage Yield (APY)*
$25-$2,000
1.982%
2.00%
$2,000.01-$5,000
1.490%
1.50%
$5,000.01-$10,000
0.995%
1.00%
$10,000.01-$50,000
0.250%
0.25%
$50,000.01-$100,000
0.200%
0.20%
$100,000.01+
0.150%
0.15%
- Disclosure + -
Rates current as of August 3, 2026. Rates subject to change without notice.
Business Money Market Rates
Minimum Balance To Earn Dividends3
Dividend Rate
Annual Percentage Yield (APY)*
$0-$9,999
0.000%
0.00%
$10,000-$24,999
0.150%
0.15%
$25,000-$99,999
1.144%
1.15%
$100,000+
2.472%
2.50%
- Disclosure + -
Rates current as of March 16, 2026. Rates subject to change without notice.
Relevant resources
Calculators
The more you know, the better prepared you are to make great choices for yourself and your family.
Learn more More about Calculators 
Learning center
Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.
Learn more More about Learning center 
Forms
From membership and loan applications to direct deposit and stop payments, our forms are conveniently available online.
Learn more More about Forms Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking. Click here for full eligibility and membership options.
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking. Click here for full eligibility and membership options.
*APY = Annual Percentage Yield.
1Minimum 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 Fee Schedule 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.
2Minimum 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 Fee Schedule 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.
3Minimum 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.
Members have also saved money with
Score Enhancement
Need a boost? Our online tools help you bank with your brain.
Learn More about Score Enhancement 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
Leaving University Credit Union Website
You are leaving ucu.org. The site you are about to visit is not operated by UCU. Please refer to the Terms of Use and Privacy Policy for this outside website as they may differ from UCU’s. UCU does not endorse and assumes no liability for any alternate website’s content and does not represent either the third-party or the member if the two enter into a transaction.