Rates effective as of 09/01/2016.

Primary, Secondary, & Christmas Club Savings

Balance Rate APY
$0 - $999 0.10% 0.10%
$1,000+ 0.15% 0.15%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings. The minimum balance required to open a Primary Savings account is $10.00.

Crimson Checking

Balance Rate APY
$0 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000+ 0.25% 0.25%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings. Crimson Checking is subject to a $7 monthly maintenance fee if the balance drops below $1,000 during the month or the combined share balances drop below $25,000.

Business Money Market Checking

Balance Rate APY
$0 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000+ 0.25% 0.25%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.

Certificate Account Rates

Regular Certificate Rates

Term Rate APY
6 months 0.50% 0.50%
12 months 1.00% 1.00%
18 months 1.05% 1.06%
24 months 1.24% 1.25%
30 months 1.34% 1.35%
36 months 1.49% 1.50%
48 months 1.74% 1.75%
60 months 2.28% 2.30%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a Regular Certificate is $1000. You may incur a penalty should you choose to withdraw your money before the completion of the term.

12-Month Access Certificate Rates

Term Rate APY
12 months 0.90% 0.90%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. You may incur a penalty should you choose to withdraw your money before the completion of the term.

One-Time Bump Certificate Rates

Term Rate APY
36 months 1.44% 1.45%
60 months 2.23% 2.25%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a One-Time Bump Certificate is $1000. You may incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New interest rate will not be applied retroactively. Offer subject to change.

U Save Certificate Account Rates

Term Rate APY
3-5 months 0.40% 0.40%
6-11 months 0.45% 0.45%
12-17 months 0.95% 0.95%
18-23 months 1.00% 1.00%
24-29 months 1.19% 1.20%
30-35 months 1.29% 1.30%
36 months 1.44% 1.45%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a U Save Certificate is $10. You may incur a penalty should you choose to withdraw your money before the completion of the term.

Money Market Accounts

Balance Rate APY
Less than $4,999 0.10% 0.10%
$5,000 - $9,999 0.15% 0.15%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $149,999 0.30% 0.30%
$150,000 - $499,999 0.35% 0.35%
$500,000+ 0.40% 0.40%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.  The minimum balance required to open a Money Market Account is $1,000.

High Yield Money Market Accounts

Balance Rate APY
$0-$4,999 0.10% 0.10%
$5,000-$9,999 0.15% 0.15%
$10,000-$19,999 0.15% 0.15%
$20,000-$24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.35% 0.35%
$100,000 - $249,999 0.40% 0.40%
$250,000 - $499,999 0.45% 0.45%
$500,000+ 0.50% 0.50%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.  Must have a minimum of $25,000 to open a High Yield Money Market Account.

IRA Accumulator

Balance Rate APY
Less than $4,999 0.25% 0.25%
$5,000 - $9,999 0.30% 0.30%
$10,000 - $19,999 0.30% 0.30%
$20,000 - $49,999 0.35% 0.35%
$50,000 - $99,999 0.40% 0.40%
$100,000 - $149,999 0.45% 0.45%
$150,000 - $499,999 0.50% 0.50%
$500,000+ 0.55% 0.55%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.

IRA Certificate Accounts

Term Rate APY
6 months 0.60% 0.60%
12 months 1.09% 1.10%
18 months 1.14% 1.15%
24 months 1.34% 1.35%
30 months 1.44% 1.45%
36 months 1.59% 1.60%
48 months 1.83% 1.85%
60 months 2.37% 2.40%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.  The minimum opening balance for an IRA Certificate is $500.  You may incur a penalty should you choose to withdraw your money before the completion of the term.