grow earnings
United calculates dividends daily and pays them monthly. Your money will grow faster compared to other standard share savings accounts.
elevate money market
Our Elevate Money Market account is a tiered program, so the more money you have in your account, the higher your earning potential.
elevate your savings and earn up to 3.75% APY1
save more with higher rates and still have access to your money
Maximize your savings potential with Elevate Money Market, offering higher dividend rates that help your money grow faster. With dividends calculated daily and paid monthly, your funds stay liquid and easily accessible—whether through checks, digital banking, in-branch, or by phone. Plus, enjoy peace of mind with deposits federally insured up to $250,000, along with easy transfers between your Money Market and checking accounts. Elevate your savings while maintaining flexibility, security, and control.
Elevate Money Market |
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|---|---|---|---|
| Effective Date: April 01, 2025 | |||
| Minimum Amount | Dividend Rate | APY1 | APY with Bonus Rate2 |
| $0 | 0.000% | 0.00% | 0.00% |
| $1,000 | 0.747% | 0.75% | 3.25% |
| $100,000 | 0.995% | 1.00% | 3.50% |
| $250,000 | 1.243% | 1.25% | 3.75% |
| [1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Rewards Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. | |||
Get the Most Out of Your Money
Earn a bonus dividend rate when you meet these simple monthly requirements:
enroll in eDocuments
Sign up in Digital Banking to receive your statements electronically each month
checking & direct deposit
swipe and sign
Make at least 20 monthly signature-based (non-PIN) transactions using your Ultra Checking Debit Card, or in combined with your U Rewards, U First, or U Boost credit card
access anytime
Your money is liquid and accessible via checks, in-branch, free Online Banking and over the phone.
United gives you the flexibility to access your money in multiple ways.
be confident
Deposits made in your Elevate Money Market account are insured up to $250,000 by NCUA.
Also, have peace of mind knowing that you can use funds from your Money Market account to cover share draft account (checking) transactions.
save easier
Consider opening a Rewards or Ultra Checking account along with your Elevate Money Market.
You can easily transfer money from your Money Market to your Checking account – which has ATM access and a debit card.
[1] APY accurate as of last dividend declaration date and subject to change after account is opened. Advertised rate includes a bonus increase of 2.50% APY when all of the following requirements are met: You must maintain a minimum daily balance of $250,000.00 in your account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings on the account. The dividend rate and annual percentage yield may also change every dividend period based on whether or not all of the following conditions are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in eDocuments. APY dependent on balance. If requirements are not met, rates are 0.00% APY on balances less than $1,000; 0.75% APY on balances of $1,000+; 1.00% APY on balances of $100,000+; and 1.25% APY on balances of $250,000+. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.