Personal Finance Manager

 

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Personal Finance Manager

 

Demo | More InformationRegister

Savings Accounts

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

Share Account

Our share account is your membership account. Open and maintain with $5 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 maintenance fees
  • No membership fee

rewardU® saver

This account is paired with the rewardU checking saver account to help you save even more! Each month, your rewardU checking saver dividends and ATM refunds will be automatically transferred into your rewardU saver account!

Click here for full terms and conditions of our rewardU saver.

 


Achievement Account

For anyone age 60 or older, our achievement account is your membership account. Open and maintain with $5 or more and you're ready to take advantage of the full range of our products and services.

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

Monty Moose Accounts and the Monty Moose Program

For anyone age 12 or younger, our Monty Moose account is your membership account. Open and maintain with $5 or more. Parents can open an account for their child, separate from their own. Monty Moose accounts are a great way to teach children about the importance of saving.

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

UCU promotes financial literacy and knows the importance of starting early. With this in mind, we have created the UCU Monty Moose Program. Every time a Monty Moose member visits a UCU branch and makes a deposit into their Monty Moose account, they will receive one UCU Buck. The Monty Moose member can cash in that UCU Buck for a small toy the day they receive it or save up their bucks for more toys or higher valued toys! The UCU Bucks have no cash value and gifts/toys may vary from branch to branch. The Monty Moose member [the child] must be present in making the deposit. Everyone here at UCU hopes our Monty Moose members enjoy this program and see the importance in earning and saving "bucks"!


Share Certificates

Share 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 maintenance 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 maintenance fees and 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 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 2013 the contribution is the lesser amount of the HDHP's deductible and $3,250 for individuals or $6,450 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

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 maintenance fees
  • 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.