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

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
• Two 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. Monty Moose account holders automatically receive a birthday card with an option for a stuffed animal or a small gift card to Toys"R"Us.

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

Certificates of Deposit
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 18 years and younger
• Choice of 6, 18 or 27 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 $25,000 for the tiered Preferred Money Market.

• No monthly service fees
• Unlimited deposits; limit of 3 withdrawals per month, including transfers
• $10 monthly service charge on Preferred Money Market if balance falls below $25,000

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
• Contribution limits change each year. For 2007 the contribution is the lesser amount of the HDHP's deductible and $2,850 for individuals or $5,650 for families.
• 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.