Rates are effective as of 01/13/2025 and are subject to change without notice. All accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. Government.

*APY = Annual Percentage Rate.  Minimum account balances are as follows: Savings - $5.00, Money Market - $2,000, Share Certificates - $500 (excluding special offers), IRAs: $500 for Accumulation account, $500 for 1 Year term, 2 Year Term, 3 Year Term and 5 Year Term.  Rates listed are subject to change without notice. Transaction Limits: $500 withdrawal minimum on Money Market. Fees could reduce the earnings on the account.

Early Withdrawal Penalties on Certificates of Deposit (CD):

1. CDs 12 month or less, the penalty will remain at 90 days of interest whether earned or not.
2. CDs greater than 12 months, but less then 5 years the penalty will be 180 days of interest whether earned or not.
3. CDs 5 years or greater, the penalty will be 365 days of interest whether earned or not.
    

When you purchase a Certificate of Deposit (CD) you agree with University Credit Union, to keep your funds on deposit for the term of the CD.  Each time you make an early withdrawal of principal, University Credit Union may charge you an early withdrawal penalty.  If your account has not earned enough interest to cover an early withdrawal penalty, University Credit Union will deduct any interest first and take the remainder of the penalty from your principal.

Fees could reduce the earnings on the account.