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United Local Credit Union. Built By Hard-Working People

Deposit Rates

Now, your deposit rate will be "blended" from the first tier through the top tier.
*Fees can potentially reduce your earnings


Money Market Accounts
Minimum Balance
     for Dividends

   Interest Rate
$2,500 - $9,999 0.10%
$10,000 - $24,999 0.10%
$25,000 - $49,999 0.10%
$50,000 - $99,999 0.10%
$100,000 & UP 0.10%

Balances below $2,500 will not earn a dividend. $2,500.00 minimum required to open


Savings Accounts
Primary & Secondary Savings
Minimum Balance 
for Dividends
Interest Rate
$1 - $49
0.00%
$50 - $1,999 0.00%
$2000 - $4,999 0.03%
$5000 - $9,999 0.05%
$10,000 & UP 0.05%

*Dividend Rates and Yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter.


Christmas Club Savings
Minimum Balance 
for Dividends

Interest Rate


No Minimum Required

0.25%


 *Dividends paid annually on October 31st, calculated by daily balance method.



IRA Savings**
Minimum Balance 
for Dividends

Interest Rate


$1 - $1,999

0.29%


$2,000 - $9,999

0.29%


$10,000 - $24,999

0.39%


$25,000 - $49,999

0.39%


$50,000 & Up

0.39%


*Dividend calculation is same as Primary Savings. 



Certificate of Deposits - Standard & IRA Available**
Term Minimum Balance
for Dividends
Interest Rate
6 Month $ 2,000 - $ 9,999 0.10%

$ 10,000 - $ 49,999 0.15%

$ 50,000 - $ 99,999 0.15%

$100,000 & UP 0.20%
12 Month $ 2,000 - $ 9,999 0.20%

$ 10,000 - $ 49,999 0.25%

$ 50,000 - $ 99,999 0.25%

$100,000 & UP 0.30%
18 Month $ 2,000 - $ 9,999 0.30%

$ 10,000 - $ 49,999 0.45%

$ 50,000 - $ 99,999 0.45%

$100,000 & UP 0.50%
24 Month $ 2,000 - $ 9,999 0.40%

$ 10,000 - $ 49,999 0.55%

$ 50,000 - $ 99,999 0.55%

$100,000 & UP 0.60%

*APY = Annual Percentage Yield
Dividends are compounded daily and paid monthly.
Substantial penalty for early withdrawal.

**Refer to your IRA Agreement & Disclosures for additional details


Rates Current as of 02/01/2021, Rates Subject to Change. Please Contact the Credit Union at 559-227-8329 for Additional Information