Share & Certificate Rates
Share Rates Effective 9/30/2023; Share Certificate Rates Effective 9/25/2023. Dividends paid monthly unless noted
Share & Certificate Rates
Description |
Rate |
APY |
Minimum Balance |
|
|
||
Share Savings Accounts |
|
||
Share Savings – Tier I | 0.25% | 0.250% | $5.00(1) |
Share Savings – Tier II | 0.30% | 0.300% | $10,000.00 |
Share Savings – Tier III | 0.35% | 0.351% | $25,000.00 |
Share Savings – Tier IV | 0.35% | 0.351% | $50,000.00 |
Share Savings – Tier V | 0.45% | 0.451% | $100,000.00 |
Money Market Savings Accounts |
|
||
Money Market Savings – Tier I | 0.35% | 0.351% | $100.00(2) |
Money Market Savings – Tier II | 0.45% | 0.451% | $2,500.00(3) |
Money Market Savings – Tier III | 0.55% | 0.551% | $10,000.003) |
Money Market Savings – Tier IV | 0.70% | 0.702% | $25,000.00(3) |
Money Market Savings – Tier V | 0.85% | 0.853% | $100,000.00(3) |
Special Share Savings Accounts |
|
||
Christmas Club Savings | 0.35% | 0.351% | $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 | 4.55% | 4.646% | $1,000.00(6) |
6-Month Share Certificate – Tier II | 4.75% | 4.855% | $10,000.00(6) |
12-Month Share Certificate – Tier I | 4.65% | 4.750% | $1,000.00(7) |
12-Month Share Certificate – Tier II | 4.85% | 4.959% | $10,000.00(7) |
* 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.
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