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.
Regular Savings
| Account Type | Dividend Rate | APY | Dividend Paid |
|---|---|---|---|
| $100.00 + | .01% | .01% | Monthly |
APY=Annual Percentage Yield. The above rates are the same for charitable & not-for-profit organizations. Regular Savings requires a minimum opening balance of $5.00 and a minimum to earn dividend of $100.00. For Youth Savings accounts, there is no minimum required to earn dividends (Primary members ages 17 and under). 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.
Money Markets
| Account Type | Dividend Rate | APY* | Dividend Paid |
|---|---|---|---|
| $2,500 - $9,999.99 | .20% | .20% | Monthly |
| $10,000 - $24,999.99 | .20% | .20% | Monthly |
| $25,000 - $49,999.99 | .30% | .30% | Monthly |
| $50,000 - $99,999.99 | .62% | .62% | Monthly |
| $100,000 - $149,999.99 | .75% | .75% | Monthly |
| $150,000 + | 3.11% | 3.15%** | Monthly |
*APY = Annual Percentage Yield. Money Market rates are variable and may change after account opening and qualification. Fees may reduce earnings. Other terms, conditions, and account requirements may apply. Membership eligibility and account approval required.
**Rate of 3.15% APY is available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106%. Minimum opening deposit and minimum balance of $150,000 required to earn the stated APY. New money is required. New money is defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution. Existing Money Market accountholders must increase their total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more to qualify for the High-Yield Money Market rate.
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 | Dividend Rate | APY |
|---|---|---|---|
| 3 Month | Fixed | 3.00% | 3.04% |
| 5 Month Special* | Fixed | 3.59% | 3.65% |
| 6 Month | Fixed | 2.79% | 2.83% |
| 12 Month | Fixed | 2.97% | 3.01% |
| 12 Month | Variable** | 3.75% | 3.82% |
| 18 Month | Fixed | 2.54% | 2.57% |
| 24 Month | Fixed | 2.58% | 2.61% |
| 36 Month | Fixed | 2.53% | 2.56% |
| 48 Month | Fixed | 1.75% | 1.76% |
| 60 Month | Fixed | 1.83% | 1.84% |
APY= Annual Percentage Yield. Minimum to earn dividends = $1,500. Minimum opening balance = $1,500. 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.
*5-Month Promotional Share Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, the promotional certificate balance will be transferred to a 6-month fixed-rate certificate at the current rate offering.
**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.
