Money Market Accounts
With the opportunity to earn more with our tiered Money Market accounts, you are sure to watch your hard earned savings grow! When you open a Money Market account at UCU, you have the opportunity to earn up to 3.25% APY*. The best part? You don't have to do anything but sit back, relax, and earn dividends on your money.
This is a great way to save money using competitive rates and flexible terms.
See the list below for Money Market rates:
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $4,999 | 0.05% | 0.05% |
| $5,000 - $24,999 | 1.49% | 1.50% |
| $25,000 - $49,999 | 1.74% | 1.75% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.23% | 2.25% |
| $250,000 - $499,999 | 2.96% | 3.00% |
| $500,000 & above | 3.20% | 3.25% |
*APY = Annual Percentage Yield. Rates effective 7/1/26. UCU Money Market for personal or business accounts. Rates are subject to change without notice. Fees may reduce earnings. Balance tiers and corresponding APY: Balances up to $4,999 earns 0.050%; balances $5,000 up to $24,999 earns 1.500%; balances $25,000 up to $49,999 earns 1.750%; balances $50,000 up to $99,999 earns 2.000%; balances $100,000 up to $249,999 earns 2.250%; balances $250,000 up to 499,999 earns 3.000%; balances of $500,000 and above earn 3.250%.
