Savings Options

Savings Accounts

UCCU makes saving for your future easy. We offer a variety of savings options to choose from.
A minimum $5.00 deposit to this account gets you started as an UCCU member. Members that maintain a minimum $500.00 balance also earn interest on their savings.  Click Here For Current Rates

Christmas Club Account

Our Christmas Club Account is a great way to save for the holidays.

  • No minimum opening balance
  • No minimum balance to maintain
  • No monthly service charge

Interest is compounded on your average daily balance credited quarterly*

*Minimum $300.00 average daily balance required to earn interest. Accrued interest will not be paid when account is closed. Funds on deposit in the Christmas Club Account can not be used as collateral on a loan or for overdraft protection. No ATM or debit card transactions are permitted on this account.

Certificates of Deposit

Our Certificates of Deposit offers you a higher rate of return than a regular savings account. With a minimum deposit of $1,000, choose terms from 6 to 36 months.

  • Our competitive rates are reviewed weekly, based upon Treasury Bill rates and money market conditions.
  • Interest compounds daily and is paid quarterly or at maturity to your certificate of deposit, savings or checking account.

There is a penalty for early withdrawal of funds.

Certificates of deposits maybe used as collateral for credit union loans preventing you from withdrawing your invested funds.  Click Here For Current Rates

IRA Certificates / IRA Savings

Certificates of Deposit IRA (Traditional IRA)

  • 1,000.00 Minimum deposit to open
  • Dividends are compounded quarterly

There is a penalty for early withdrawal of funds.

Savings IRA ( Traditional, Roth, Cloverdale)

  • No Minimum Opening Balance
  • Dividends are compounded quarterly paid quarterly
  • Monthly deposits can be made through payroll deduction, direct deposit or through the teller.

Click Here For More Information

Funds Availability

Our policy is to allow you to withdraw funds you deposit in your account on the same business day as we receive your deposit. However, in some cases, we may delay your ability to withdraw funds beyond the same business day. Then, the funds will generally be available by the second business day after the day of deposit. In some cases, funds may not be available until the eleventh day.

Current Rates
This credit union is federally insured by the National Credit Union Administration.
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