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PHONE: (925) 447-5001
ROUTING #: 321173072
FRAUD CENTER

Business Savings Accounts

Savings Accounts

At UNCLE Credit Union, we offer a variety of savings options designed to help you reach your financial goals. Whether you’re building a foundation with a Regular Savings account, growing your balance with a Money Market account, maximizing returns with Certificates of Deposit, or planning for retirement with an IRA, we’re here to support your journey toward financial security.

Savings Accounts

At UNCLE Credit Union, we offer a variety of savings options designed to help you reach your financial goals. Whether you’re building a foundation with a Regular Savings account, growing your balance with a Money Market account, maximizing returns with Certificates of Deposit, or planning for retirement with an IRA, we’re here to support your journey toward financial security.

Regular Savings Account:

  • $5 opening deposit represents your membership share in the credit union
  • Dividends are calculated daily and paid monthly
  • Funds can be used as overdraft protection for your checking account
  • Your funds are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a fund backed by the full faith and credit of the United States government.

 

Account TypeDividend RateAPY.Dividend Paid
$100.00 +.01%.01%Monthly
APY=Annual Percentage Yield. The above rates are the same for charitable & not-for-profit organizations. Tiered Rate with a minimum opening balance of $5.00 and a minimum to earn dividend of $100.00. For Youth savings account, there is no minimum required to earn dividends. Rate subject to change after account is opened.

UNCLE Money Market account:

  • Require a $2,500 minimum deposit to open
  • Dividends are compounded monthly and credited monthly
  • Easy access through personalized checks, automatic withdrawal options through ATMs, online transfer or in-person withdrawals.
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Money Markets

Account TypeDividend RateAPY**Dividend Paid
$2,500 - $9,999.99.02%.02%Monthly
$10,000 - $24,999.99.03%.03%Monthly
$25,000 - $49,999.99.45%.45%Monthly
$50,000 - $99,999.99.48%.48%Monthly
$100,000 +.70%.70%Monthly

Certificates of Deposit

Get more out of your money. Our Certificates of Deposit are ideal for members seeking the highest guaranteed yields from insured deposit accounts:

  • A wide range of fixed and variable terms are available, ranging from 3 to 60 months
  • Fixed Certificates - Dividends are calculated daily and paid monthly
  • Variable Certificates - Dividends are calculated and compounded daily. Dividends are posted monthly.

Visit any of our financial centers or call 925.447.5001 to open a certificate today.

Share Certificates

Account TypeRate TypeMin. Opening BalanceMin. to Earn DividendDividend RateAPY
3 MonthFixed$1,500$1,5003.08%3.12%
6 MonthFixed$1,500$1,5002.86%2.90%
12 MonthFixed$1,500$1,5002.69%2.72%
12 MonthVariable$5,000$5,0004.25%4.33%
18 MonthFixed$5,000$5,0002.57%2.60%
24 MonthFixed$5,000$5,0002.92%2.96%
36 MonthFixed$5,000$5,0002.75%2.79%
48 MonthFixed$5,000$5,0002.45%2.48%
60 MonthFixed$5,000$5,0002.48%2.51%
*APY= Annual Percentage Yield. The dividend rates and annual percentage yields stated above may change at any time. Substantial early withdrawal penalties apply to IRA Share Certificates and Share Certificates. Fees may reduce earnings. The Variable Rate 12 Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6 month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly.

Individual Retirement Accounts

UNCLE’s Individual Retirement Accounts (IRAs) are a great way to save for retirement. We offer:

  • Traditional
  • Roth
  • Coverdell Education IRAs

The minimum amount to open an IRA savings account is $10. The minimum amount to earn dividends on an IRA savings account is $100.

To open an IRA today, visit any financial center or call us during business hours at 925.447.5001.

UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of February 12th, 2025

Uncle Credit Union BBB Business Review