Share & Certificate Rates
Share Rates Effective 9/01/2024; Share Certificate Rates Effective 4/07/2025. 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 | 0.500% | 0.50% | $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 | 1.000% | 1.01% | $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 | 3.445% | 3.50% | $1,000.00(6) |
| 6-Month Share Certificate – Tier II | 3.397% | 3.45% | $10,000.00(6) |
| 6-Month Share Certificate – SPECIAL | 3.687% | 3.75% | $95,000.00(6) |
| 12-Month Share Certificate – Tier I | 3.397% | 3.45% | $1,000.00(7) |
| 12-Month Share Certificate – Tier II | 3.494% | 3.55% | $10,000.00(7) |
| 12-Month Share Certificate – SPECIAL | 3.590% | 3.65% | $95,000.00(7) |
| 18-Month Share Certificate – Tier I | 3.397% | 3.45% | $1,000.00(8) |
| 18-Month Share Certificate – Tier II | 3.494% | 3.55% | $10,000.00(8) |
| 18-Month Share Certificate – SPECIAL | 3.590% | 3.65% | $95,000.00(8) |
| 36-Month Share Certificate – SPECIAL |
3.880% | 3.95% | $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
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