dividend rates

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Other

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Arkansas

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Indiana

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Michigan

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Nevada

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

North Carolina

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Ohio

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Oklahoma

Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rates is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

IRA Certificate Special

Effective Date: June 01, 2019
Type Dividend Rate APY
14 Month 2.673% 2.70%
Annual Percentage Yield (APY) accurate as of the effective date above. Subject to change without notice. Rates include a 0.10% APY increase for maintaining an Ultra Checking account with a positive balance. Rates may change after the account is opened. If requirements are not met, rate is 2.60% APY for 14 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. Only personal IRA share certificates are eligible for advertised rates. Please consult with a tax advisor.

Liquid Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
12 Month $2,500 $250,000 0.996% 1.00%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened.

Bump Up Certificate

Effective Date: June 01, 2019
Type Minimum Amount Maximum Amount Dividend Rate APY
36 Month $500 $1,000,000 2.477% 2.50%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Share & IRA Certificates - $500 Minimum

Effective Date: June 01, 2019
Type Dividend Rate APY
60 Months 1.492% 1.50%
48-59 Months 1.294% 1.30%
36-47 Months 0.996% 1.00%
24-35 Months 0.748% 0.75%
18-23 Months 0.648% 0.65%
12-17 Months 0.499% 0.50%
6-11 Months 0.250% 0.25%
3-5 Months 0.100% 0.10%
Annual Percentage Yield (APY) accurate as of the effective date above. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
Limted-time intro rate for 6 months on new accounts with balances over $10,000 and an eligible checking account1 2.227% 2.25%
$0 0.000% 0.00%
$1,000 0.499% 0.50%
$50,000 0.598% 0.60%
$100,000 0.698% 0.70%
$150,000 0.797% 0.80%
$200,000 0.896% 0.90%
$250,000 0.995% 1.00%
$500,000 1.243% 1.25%
$750,000 1.490% 1.50%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account. 1 Advertised rate is applicable for the first 185 days after account opening and if daily account balance is $10,000 or greater. If daily account balance falls below $10,000 within the first 185 days, the applicable rate will be those listed above. Advertised APY includes a 0.50% APY increase for having an eligible United Rewards or Ultra Checking account with an average monthly balance of at least $10,000 on the date dividends are paid. Fees may reduce earnings on the account. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Withdrawals limited to six per statement period. Minimum balance to open account is $1,000. Consumer Bonus Builder Money Market accounts only; business accounts not eligible. For accounts opened 4/1/2019 through 4/30/2019.

Member's Advantage Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Health Savings Account (HSA)

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.100% 0.10%
$1,000 0.349% 0.35%
$10,000 0.499% 0.50%
$25,000 0.747% 0.75%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening deposit of $50.00 required.

IRA Money Market

Effective Date: June 01, 2019
Minimum Amount Dividend Rate APY
$0 0.000% 0.00%
$250 0.050% 0.05%
$1,000 0.100% 0.10%
$10,000 0.150% 0.15%
$25,000 0.200% 0.20%
$50,000 0.250% 0.25%
$100,000 0.349% 0.35%
$250,000 0.399% 0.40%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.

Share Savings Accounts

Effective Date: June 01, 2019
Term Dividend Rate APY
Membership Savings1,2 0.050% 0.05%
Achiever Savings3 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings1 0.100% 0.05%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account. [1] Minimum opening balance is $5.00. [2] Minimum balance to earn APY is $300.00. [3] Minimum opening balance is $25.

Share Draft Accounts (Checking) Ultra Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
Base Rate $0 0.050% 0.05%
Reward Rate $0 2.911% 2.95%
TOTAL Rate $0 2.961% 3.00%
Base Rate Over $15,000 0.100% 0.10%
Reward Rate Over $15,000 0.000% 0.00%
TOTAL Rate Over $15,000 0.100% 0.10%
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.

Share Draft Accounts (Checking) Platinum Plus Checking

Effective Date: June 01, 2019
Account Type Minimum Amount Dividend Rate APY
  $1,000 0.100% 0.10%
  $100,000 0.150% 0.15%
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Minimum opening balance is $50.00. Minimum balance to earn APY is $1000.00. Fees may reduce earnings on the account.

Listed rates are subject to change without notice. Insured by NCUA.

dividend rates

UFCU Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

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