Share Certificate Specials
You work hard for your money, and we think your money should work harder for you! Check out our share certificate specials for high-yield savings with steady dividends, to save more.
4.00% APY* - 14 Months
Minimum $25,000 new money.
3.75% APY* - 11 Months
Minimum $1,500.
*New Member Special*
Get the 4.00% APY* - 14 month certificate for a low minimum of $1,500 with new money.
*APY = Annual Percentage Yield. Share certificate rates effective as of 10/1/2026 and are subject to change at any time. 11-month share certificate is offered at 3.75% APY with minimum of $1,500 to open. 14-month share certificate special is offered at 4.00% APY to new members, joining after 10/1/26, with a minimum of $1,500 to open. Existing members are offered the 14-month share certificate special at 4.00% APY with a minimum of $25,000 in new money to UCU. New money is defined as funds not currently on deposit at UCU that come from an outside source. Transfers between existing UCU accounts do not qualify as new funds. UCU reserves the right to determine eligibility. Penalty for early withdrawal. Fees may affect earnings.
Open a Share Certificate
Ready to start saving? Submit the online form anytime, or call us during business hours.
Money Market Accounts
The more you put in, the more you earn. Money Market accounts give you high-yield savings while remaining flexible.
Current Money Market Account 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 | 2.96% | 3.00% |
| $250,000 - $499,999 | 3.20% | 3.25% |
| $500,000 & above | 3.68% | 3.75% |
*APY = Annual Percentage Yield. Rates effective 10/1/26. 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 3.000%; balances $250,000 up to 499,999 earns 3.250%; balances of $500,000 and above earn 3.750%.
Open a Money Market Account
To open a Money Market Account, get started online, or call us during business hours.
