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

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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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