Share & Certificate Rates
Share Rates Effective 9/01/2024; Share Certificate Rates Effective 8/28/2024. Dividends paid monthly unless noted.

Share & Certificate Rates

Description

Rate

APY

Minimum Balance

Share Savings Accounts

 

Share Savings – Tier I 0.250% 0.25% $5.00(1)
Share Savings – Tier II 0.300% 0.30% $10,000.00
Share Savings – Tier III 0.350% 0.35% $25,000.00
Share Savings – Tier IV 0.450% 0.45% $50,000.00
Share Savings – Tier V 0.550% 0.55% $100,000.00

Money Market Savings Accounts

Money Market Savings – Tier I 0.350% 0.35% $100.00(2)
Money Market Savings – Tier II 0.450% 0.45% $2,500.00(3)
Money Market Savings – Tier III 0.550% 0.55% $10,000.003)
Money Market Savings – Tier IV 0.850% 0.85% $25,000.00(3)
Money Market Savings – Tier V 1.250% 1.26% $100,000.00(3)

Special Share Savings Accounts

 

Christmas Club Savings 0.75% 0.75% $5.00(4)
On-Track Savings 0.35% 0.351% $5.00(4)

Share Spending Accounts (Checking)

 

Classic Spending Account 0.00% 0.000% NA
Interest Plus Spending Account 0.15% 0.150% $100.00(5)
Golden Spike Spending Account 0.15% 0.150% $100.00(5)

Share Certificates

 

6-Month Share Certificate – Tier I 4.314% 4.40% $1,000.00(6)
6-Month Share Certificate – Tier II 4.698% 4.80% $10,000.00(6)
6-Month Share Certificate – SPECIAL 4.739% 4.90% $95,000.00(6)
12-Month Share Certificate – Tier I 4.121% 4.20% $1,000.00(7)
12-Month Share Certificate – Tier II 4.506% 4.60% $10,000.00(7)
12-Month Share Certificate – SPECIAL 4.602% 4.70% $95,000.00(7)
18-Month Share Certificate – Tier I 3.880% 3.95% $1,000.00(8)
18-Month Share Certificate – Tier II 4.169% 4.25% $10,000.00(8)
18-Month Share Certificate – SPECIAL 4.362% 4.45% $95,000.00(8)
36-Month Share Certificate – SPECIAL
3.735% 3.80% $95,000.00(8)

* APR is Annual Percentage Rate. Actual Rate will vary based on your creditworthiness and Loan-to-Value. Home Equity Line of Credit (HELOC) is a variable interest loan product in which the rate may be adjusted on a quarterly basis based on the Prime Interest Rate plus a margin based on your program. Maximum interest rate is 18.00% APR. All loans are subject to approval.

2 Members may LOCK in a portion of their balance at a fixed rate for the life of the loan based on a fee of 1% of the outstanding balance. Your credit line may be adjusted based on the portion you lock-in at fixed rate.

Interest rates are subject to change and may change after the account is opened. Fees may reduce earnings.

 

Notes:

(1)  Members must have an average monthly balance of at least $100.00 to earn dividends.

(2)  Members with an average MMS balance under $2,500.00 will be assessed a $25.00 monthly fee.

(3)  After 3 monthly withdrawals, a fee of $10.00 will be charged per transaction.

(4)  Dividends are paid quarterly.

(5)  A $10.00 monthly fee will be assessed if the average monthly balance is $100.00 or less.

(6)  Early certificate closure will be assessed a 90-day interest penalty fee.

(7)  Early certificate closure will be assessed a 120-day interest penalty fee.

8)  Early certificate closure will be assessed a 180-day interest penalty fee.

Our Office

1400 Douglas Street - Mailstop 0040
Omaha, Nebraska 68179-1001

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Get in Touch

Phone
Local: (402) 544-2500
Toll-Free: (800) 370-2260

Text Us
(402) 501- 7473

E-mail
memberservice@upcu.org

ABA Routing Number

304083451

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