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 Type | Dividend Rate | APY. | Dividend Paid |
---|---|---|---|
$100.00 + | .01% | .01% | Monthly |
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.

Money Markets
Account Type | Dividend Rate | APY** | 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 Type | Rate Type | Min. Opening Balance | Min. to Earn Dividend | Dividend Rate | APY |
---|---|---|---|---|---|
3 Month | Fixed | $1,500 | $1,500 | 3.08% | 3.12% |
6 Month | Fixed | $1,500 | $1,500 | 2.86% | 2.90% |
12 Month | Fixed | $1,500 | $1,500 | 2.69% | 2.72% |
12 Month | Variable | $5,000 | $5,000 | 4.25% | 4.33% |
18 Month | Fixed | $5,000 | $5,000 | 2.57% | 2.60% |
24 Month | Fixed | $5,000 | $5,000 | 2.92% | 2.96% |
36 Month | Fixed | $5,000 | $5,000 | 2.75% | 2.79% |
48 Month | Fixed | $5,000 | $5,000 | 2.45% | 2.48% |
60 Month | Fixed | $5,000 | $5,000 | 2.48% | 2.51% |
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.