Deposit Rates

Checking Account Rates

Account TypeAPY
Free Checking N/A
Prime Checking 0.02%
Thrifty Checking N/A
Second Chance Checking N/A

*APY is Annual Percentage Yield. Deposit rates are effective as of October 1, 2022 and are subject to change. Prime Checking rate may change after account opening and fees may reduce earnings for this account.

Free Checking takes $25 to open but there is no minimum balance requirement and no monthly service charge when you sign up for eBundle. Prime Checking takes $100 to open and $750 minimum balance to avoid an $8.50 monthly service fee. Dividends are compounded and paid monthly. Second Chance Checking takes $25 to open. There is a $9.95 per month service charge with a $3.00 rebate or reduction for those with direct deposit. Thrifty Checking takes $25 to open and there is a $5 monthly service fee. Bill Pay service fee is $5.95 per month.

Savings Account Rates

Account TypeAPY
GREAT Savings 0.05%
IRA Variable Savings 0.05%

*APY is Annual Percentage Yield. Deposit rates are effective as of October 1, 2022 and are subject to change. Great Savings and IRA Variable Savings rates may change after account opening and fees may reduce earnings for this account.

Great Savings takes $25 to open. An IRA Variable Savings account can be opened with a $100 minimum deposit.

Money Market Accounts Rates

Money Market Plus RatesAPY
Under $2,500 0.05%
$2,500 to $25,000 0.06%
$25,000+ 0.10%

*APY is Annual Percentage Yield. Deposit rates are effective as of October 1, 2022 and are subject to change. Money Market rate may change after account opening and fees may reduce earnings for this account.

Minimum deposit of $100 required to open a Money Market Account.

Certificate of Deposit Rates

Amount90 Day180 Day360 Day18 Months24 Months36 Months60 Months
$2,500 Rate 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
APY 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
$50,000 Rate 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
APY 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
$90,000 Rate 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
APY 0.05% 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
$250,000 Rate 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%
APY 0.05% 0.10% 0.15% 0.20% 0.25% 0.25%

*APY is Annual Percentage Yield. Posted rates effective October 1, 2022. Rates subject to change. Penalties may be imposed for early withdrawal.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: info@usecreditunion.com.