Checking Account Options




Minimum Opening Balance $50 $50
Minimum Balance Required
Below Minimum Balance Fee
Up to 3% APY1
CardPerksTM Rewards2 1 point for every $3 spent
for qualified purchases2
Free UFCU ATM Deposits/Withdrawals
Co-Op Alliance ATMs 5 free withdrawals
per month3
5 free withdrawals
per month3
ATM Fee Refund Up to $25 per month4 Up to $25 per month4
Free Online Banking
Free Online Bill Pay5
Free eStatements
Mobile Check Deposit Free Free
Courtesy Pay Limit6 $1,000 $1,000
Share Certificate Rate Bonus
Bonus rate equal to 0.10% APY
on share certificates7
Consumer Loan Discount
0.10% APR discount8



1) Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

2) Subject to program CardPerks Terms and Conditions. View Terms and Conditions for more information.
3) After 5 foreign ATM withdrawals UFCU will charge a fee per withdrawal. Foreign institution surcharge may also apply. View UFCU Rates and Fees.
4) Requires 10 signature-based debit card transactions per month, e-statements and one (1) Direct Deposit or ACH per month. Excludes international ATMs, balance inquiry fees, and ATM deposit fees.
5) Must be 18 years or older and have a valid home phone number and email address on file.
6) Click here for Courtesy Pay disclosures.
7) APY=Annual Percentage Yield. Bonus rate require an open Ultra checking account with a positive balance.
8) APR=Annual Percentage Rate. For closed-end, fixed-rate consumer loans, Includes auto loans, other vehicle loans, and signature loans. Does not include real estate-secured loans.