Rates

Effective as of June 1, 2024

Savings & Checking Accounts

APY = Annual Percentage Yield

Kasasa Cash Checking

REALLY High Rewards BalanceMinimum Required to Open AccountDividend RateAPY
$0 - $15,000$05.35%5.50%
$15,001 and above$00.25%5.50% - 0.93%
All balances if qualifications not met$00.05%0.05%

High Rewards BalanceMinimum Required to Open AccountDividend RateAPY
$0 - $15,000$03.93%4.01%
$15,001 and above$00.25%4.01% - 0.74%
All balances if qualifications not met$00.05%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 BalanceDividend RateAPY
$0 - $100,0001.98%2.00%
$100,001 and above0.25%2.00% - 1.13%
All balances if qualifications not met0.05%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 BalanceDividend RateAPY
$0 - $4,9990.05%0.05%
$5,000 and above1.49%1.50%

Preferred Money Market, IRA & Coverdell ESA

Account BalanceDividend RateAPY
$0 - $4,9990.05%0.05%
$5,000 - $24,9991.49%1.50%
$25,000 - $49,9991.74%1.75%
$50,000 - $74,9992.47%2.50%
$75,000 - $99,9992.96%3.00%
$100,000 and above3.45%3.50%

Member Share Savings

Account BalanceMinimum BalanceDividend RateAPY
Prime Share / Monty Moose / Teen$50.05%0.05%
Prime Share Savings -
Joint Membership
$100.05%0.05%

Health Savings Account & Emergency Savings Account

Account BalanceDividend RateAPY
Up to $5000.20%0.20%
$501 - $2,5000.25%0.25%
$2,501 - $10,0000.35%0.35%
$10,001 and above0.40%0.40%

Share Certificates

TermMinimum BalanceDividend RateAPY
6 Months$5004.26%4.35%
12 Months$5003.92%4.00%
18 Months$5002.71%2.75%
24 Months$5002.47%2.50%
36 Months$5001.29%1.30%
48 Months$5001.39%1.40%
60 Months$5001.49%1.50%
Special: 7 Months$1,5004.40%4.50%
Monty Moose Certificate minimum balance is $250. Rates are for Certificates, IRA Certificates, Monty Moose Certificates. Penalty for early withdrawal. Fees may affect earnings.

Additional Deposit Accounts

Account Minimum BalanceDividend RateAPY
Club & Holiday$00.25%0.25%
Premier Checking$10,000 - above0.30%0.30%
Super Share$0 - $1,9990.05%0.05%
Super Share$2,000 - above0.20%0.20%

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.

 

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