Rates

Effective as of November 1, 2026

Savings & Checking Accounts

APY = Annual Percentage Yield

Kasasa Cash Checking

REALLY High Rewards Balance	Minimum Required to Open Account	Dividend Rate	APY
$0 - $15,000	$0	5.35%	5.50%
$15,001 and above	$0	0.25%	5.50% - 0.93%
All balances if qualifications not met	$0	0.05%	0.05%

High Rewards Balance	Minimum Required to Open Account	Dividend Rate	APY
$0 - $15,000	$0	3.93%	4.01%
$15,001 and above	$0	0.25%	4.01% - 0.74%
All balances if qualifications not met	$0	0.05%	0.05%

Simply do the following activities with your Kasasa Cash® account during each monthly qualification cycle: High Rewards: Have at least 12 debit card purchases post and settle, Be enrolled and receive e-statements, Be enrolled and access digital banking, Have at least 1 automatic payment (ACH) post and settle, such as: payroll direct deposit, bill pay, etc. REALLY High Rewards: Have at least 28 debit card purchases post and settle, Be enrolled and receive e-statements, Be enrolled and access digital banking, Have at least 1 automatic payment (ACH) post and settle, such as: payroll direct deposit, bill pay, etc.
Learn more about Kasasa Cash qualifications for High Rewards and REALLY High Rewards.

Kasasa Saver

Account Balance	Dividend Rate	APY
$0 - $100,000	1.98%	2.00%
$100,001 and above	0.25%	2.00% - 1.13%
All balances if qualifications not met	0.05%	0.05%

To earn rewards, qualify with your linked Kasasa checking account during each monthly qualification cycle.
Learn more about Kasasa Saver and linked Kasasa checking account qualifications.

Money Market

Account Balance	Dividend Rate	APY
$0 - $4,999	0.05%	0.05%
$5,000 and above	1.49%	1.50%

Preferred Money Market, IRA & Coverdell ESA

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	2.96%	3.00%
$250,000 - $499,999	3.20%	3.25%
$500,000 & above	3.68%	3.75%

Member Share Savings

Account Balance	Minimum Balance	Dividend Rate	APY
Prime Share / Monty Moose / Teen	$5	0.05%	0.05%
Prime Share Savings - Joint Membership	$10	0.05%	0.05%

Health Savings Account & Emergency Savings Account

Account Balance	Dividend Rate	APY
Up to $500	0.20%	0.20%
$501 - $2,500	0.25%	0.25%
$2,501 - $10,000	0.35%	0.35%
$10,001 and above	0.40%	0.40%

Share Certificates

Term	Minimum Balance	Dividend Rate	APY
6 Months	$500	3.25%	3.30%
12 Months	$500	2.96%	3.00%
18 Months	$500	2.71%	2.75%
24 Months	$500	2.47%	2.50%
36 Months	$500	2.47%	2.50%
48 Months	$500	2.47%	2.50%
60 Months	$500	2.47%	2.50%

Monty Moose Certificate minimum balance is $150. Rates are for Certificates, IRA Certificates, Monty Moose Certificates. Penalty for early withdrawal. Fees may affect earnings.

Share Certificate Specials

See our Share Certificate Specials page for our list of current specials.

Additional Deposit Accounts

Account	Minimum Balance	Dividend Rate	APY
Club & Holiday	$0	0.25%	0.25%
Premier Checking	$10,000 - above	0.30%	0.30%
Super Share	$0 - $1,999	0.05%	0.05%
Super Share	$2,000 - above	0.20%	0.20%

• Truth-in-Savings Disclosure
• Kasasa Cash Truth-in-Savings
• Kasasa Cash Back Truth-in-Savings

Rates are subject to change without notice. Fees may reduce earnings.

Consumer Loans

Looking for a great rate and flexible terms? Connect with our Consumer Loan Originators today! Call 207-866-8608 or email.

UCU Members - check out rates within Digital Banking. Login, view Credit Score, Loans & Offers for the most up-to-date rates from UCU.

• Credit Cards
• Vehicle Loans
• Personal Loans

 

Home Equity Loans & Lines of Credit

UCU offers a variety of Home Equity Programs. From adding a back deck to taking your dream vacation, we have the loan to meet your needs.

Mortgages

UCU offers a variety of mortgage products to meet all your home loan needs.

• 10, 15, 20 & 30 Year Fixed Rate Mortgages
• Fixed Rate Mobile Home Loans
• Land Loans