Savings Accounts

When you save with UCU you're doing more than just saving for a vacation or a rainy day, you're making an investment in UCU.

Share Account
Our share account is your membership account. Open and maintain with $25 or more and you're ready to take advantage of the full range of our products and services. You can earn a higher rate of interest with a $2,000 minimum balance in our Super Share Account.

• No monthly service fee
• No membership fee

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rewardU® saver

Save more with rewardU saver! Simply meet the qualifications in your rewardU checking account each qualification cycle by:

• Having 12 Visa debit card purchases post and clear to your account,
• Having 1 direct deposit or ACH transaction post and clear to your account
• Receiving eStatements and logging on to Home Banking, and the rewardU saver rewards are yours!
  
  Click here for full terms and conditions of rewardU saver.

*Annual Percentage Yield (APY) accurate as of 7/1/2011. No minimum balance required to open rewardU checking or rewardU saver. The APY assumes that rewardU checking interest is not compounded when linked to rewardU saver, because the interest is automatically transferred to rewardU saver at the end of the qualification cycle. The interest from rewardU checking transfers to rewardU saver, whether the qualifications are met or not. Rates may change after the account is opened. Fees may reduce earnings. Debit card transactions must be point of sale transactions and post to your account within the qualification cycle to qualify. Transactions may take one or more business days to post and clear an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. PIN based transactions do not count toward qualifying debit card transactions. **rewardU checking ATM fee refunds up to $25 are provided only if qualifications are met within qualification cycle.

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Achievement Account

For anyone age 60 or older, our achievement account is your membership account. Open and maintain with $25 or more and you're ready to take advantage of the full range of our products and services.

• No monthly service fee
• No membership fee
• Free money orders
• One free boxes of checks a year when you open a checking with UCU

Monty Moose Accounts

For anyone age 12 or younger, our monty moose account is your membership account. Open and maintain with $25 or more. Parents can open an account for their child, seperate from their own. Monty Moose accounts are a great way to teach children about the importance of saving. Each time a child makes a deposit into their account, their name is entered into a quarterly drawing for a $25 deposit.

• No monthly service fee
• No membership fee
• Monty Moose Certificates only require a $250 minimum deposit

Share Certificates

Certificates are a great way to save money at competitive rates and for flexible terms ranging from 6 to 60 months. Choose from one of our many standard term certificates, or see what new certificate special we may be offering!

• $500 minimum opening deposit or $250 for 17 years and younger
• Choice of 6 or 18 months or 1 to 5 year terms at any time.
• Interest is compounded daily and paid monthly.
• Penalty for early withdrawal

Money Market & Preferred Money Market
Earn higher interest on higher balances with our money market and tiered money market accounts. Enjoy competitive market rates on balances starting at just $5,000 for the Money Market and the tiered Preferred Money Market.

• No monthly service fees
• No minimum balance for the Preferred Money Market
• Unlimited deposits; limit of 3 withdrawals per month, including transfers

Individual Retirement Accounts
It's never too early to start saving for your retirement or education. We have several options for saving, from IRA certificates to Traditional, Roth and Coverdell IRAs.

• Tax-deferred or tax-free savings
• Tiered balance levels allow you to earn higher interest on higher balances.
• No monthly service fees
• No maintenance fees & no commission

Increased insurance through Excess Share Insurance

Health Savings Accounts
A Health Savings Account (HSA) offers you more flexibility and control over your healthcare costs. That's because it empowers you to make your own health care decisions.

• Use pre-tax dollars to pay for future medical expenses.
• You must have a high deductible health plan (HDHP) to qualify for HSA
• For 2011 the contribution is the lesser amount of the HDHP's deductible and $3,050 for individuals or $6,150 for families with a $1,000 catch up option.
• We offer HSA accounts in tiered levels. You can earn higher dividends for higher balances!

Up to $500
$501 to $2,500
$2,501 to $10,000
$10,001 and above

Check Current Rates

Club Account
With a club account, you can save for a vacation, holidays or any special occasion all year round.

• Club account balances transfer to savings or checking in October upon request
• No monthly service fee
• Make deposits easily through direct deposit or payroll deductions.

Emergency Savings Account
If there is one thing that will help you sleep better at night, it's knowing that you have some money set aside for an emergency. Unfortunately, approximately 40% of Americans do not have an emergency fund established. UCU is committed to helping our members save not only for college or retirement, but also for other unexpected expenses of life. Learn more about the benefits of an Emergency Savings Account.

UCU's new Emergency Savings Account (ESA) rewards you for planning for the unexpected and will give you peace of mind knowing you are covered in case of an emergency.

• Funding only allowed through automatic transfers from direct deposits
• No minimum balance
• Tiered dividend rates - earn higher dividends on higher balances

Up to $500
$501 to $2,500
$2,501 to $10,000
$10,001 and above

Open your new ESA account online or call a UCU representative for more details.

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