Savings Accounts
At UCSCU, we make saving simple, secure, and rewarding. Whether you’re just starting your savings journey or looking to grow what you’ve already built, our savings accounts are designed to fit your needs. From regular share accounts to specialized savings options, you’ll enjoy competitive dividends, easy access to funds, and the peace of mind that comes with being part of a trusted credit union. Let’s build your financial future—one deposit at a time.
Regular Share Savings
- $5 minimum deposit to open (required)
- $1 one-time membership fee
- Necessary in order to open any other account at the credit union
- Balances of $100 and over will earn a competitive interest rate, which is compounded and paid quarterly on the average daily balance
Certificates
- Earn a higher interest rate than a regular share account
- Terms range from 90 days to 3 years - all with competitive market rates
- $500 minimum to open
- No maximum balance
- Rates vary depending upon the term and amount deposited
IRA Share
- We offer Traditional, Roth and Educational IRA accounts to meet your financial savings needs
- All IRA accounts are available for 1 to 3 year terms at competitive market rates
- $500 minimum to open
- Interest is compounded and paid quarterly
- Rates vary depending upon the term and amount deposited
Holiday Club
- Start saving for the holidays by opening a Holiday Club account
- Earn a higher interest rate than a regular savings account
- Funds and earned dividends will be transferred to a UCSCU account or mailed by check upon request when the account matures in November
Benefits of a savings account
Safe Place to Store Money
Your funds are federally insured up to $250,000, offering security and peace of mind.
Earns Interest or Dividends
Your savings accounts earn interest, helping your money grow over time.
Easy Access to Funds
Savings accounts still allow quick access to your funds when you need them.
Encourages Saving Habits
Having a separate account makes it easier to set aside money for future goals or emergencies.
