Personal Finance Manager

 

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Personal Finance Manager

 

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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

Kasasa Saver

Put your savings on autopilot with Free Kasasa Saver®

Kasasa Saver links with your free Kasasa Cash® checking account to build up savings automatically. Your checking rewards* and ATM fee refunds* become savings each month - and you never even have to think about it. Plus, Kasasa Saver earns high dividends - 1.01% APY* on balances up to $15,000! So your money ’t just sitting there month after month. It’s growing!

• Linked to free Kasasa Cash account
• Automatic transfers of Kasasa Cash rewards
• 1.01% APY* on balances up to $15,000
• 1.01% to 0.35%% APY on balances over $15,000 depending on balance in account*
• 0.05% APY* if qualifications are not met in your Kasasa&; checking account
• No monthly service fee
• No minimum balance to earn rewards
• Free online banking
• Free e-statements
• No minimum deposit to open

Here’s the lowdown on how to earn rewards:

To earn a higher Kasasa Saver rate, simply do the following activities and transactions in your Kasasa Cash checking account each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled and receive e-statement notice
• Be enrolled and and access home banking
• Have at least 1 bill pay transaction or 1 automatic payment (ACH) post and settle

See? Simple. But if you don’t qualify in your Kasasa Cash checking account one month, no sweat. There’s no fee, and you can get right back to earning your rewards the very next month!


Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s):
• Kasasa Cash: (1) Balances up to $10,000 receive APY* of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.01% to 0.50% APY depending on the account’s balance and
• Kasasa Saver: (2) Balances up to $15,000 receive APY of 1.01% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.01% to 0.35% APY depending on the account’s balance.
• ATM Fee Reimbursements: You will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account and in your Kasasa Saver account earn 0.05% APY* and 0.05% APY, respectfully, and the interest earned in your Kasasa Cash account is automatically transferred to your Kasasa Saver account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver account on the following day. * When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $10,000 in your Kasasa Cash account receive a non-compounding APY of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 3.01% to 0.50% APY depending on the account’s balance. When your Kasasa Cash qualifications are not met, all balances in the Kasasa Cash account earn a non-compounding APY of 0.05%. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APYs accurate as of 12/01/2014. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash and one Kasasa Saver per prime member and per primary account. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.
 


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.