dividend rates

Certificate Special

Effective Date: June 09, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
9 Month CD Special 5.053% 5.15% 5.25%
14 Month CD Special 4.812% 4.90% 5.00%
6 Month CD Special3 4.909% 5.00%3 Not Eligible

[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when 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 with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Contact us for business share certificate specials. [3] 6 Month CD Special accurate as of 5/5/2023. 6 Month CD Special available for a limited time only. Subject to change without notice. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500 for consumer certificates and $1,000 for business certificates. 6 month certificate renews to a 6 month standard certificate at maturity. Rates are based on current rates at the time of renewal. Business and personal share certificates are eligible for advertised rate.


Liquid Certificate

Effective Date: June 09, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
12 Month $2,500 - $250,000 1.393% 1.40% 1.50%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when 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 with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Bump Up Certificate

Effective Date: June 09, 2023
Type Min & Max Amount Dividend Rate APY1 APY with Bonus Rate2
36 Month $500 - $1,000,000 3.698% 3.75% 3.85%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when 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 with an average monthly balance of at least $1.00. 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 09, 2023
Type Dividend Rate APY1 APY with Bonus Rate2
60 Months 2.722% 2.75% 2.85%
48-59 Months 2.477% 2.50% 2.60%
36-47 Months 2.379% 2.40% 2.50%
24-35 Months 2.330% 2.35% 2.45%
18-23 Months 1.640% 1.65% 1.75%
12-17 Months 1.492% 1.50% 1.60%
6-11 Months 1.244% 1.25% 1.35%
3-5 Months 0.499% 0.50% 0.60%
[1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when 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 with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Elevate Money Market

Effective Date: June 09, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.995% 1.00% 3.50%
$100,000 1.243% 1.25% 3.75%
$250,000 1.490% 1.50% 4.00%
[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); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account.

Bonus Builder Money Market

Effective Date: June 09, 2023
Minimum Amount Dividend Rate APY1 APY with Bonus Rate2
$0 0.000% 0.00% 0.00%
$1,000 0.150% 0.15% 0.400%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 0.25% APY when 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 Rewards Checking account with an average monthly balance of at least $1.00. Rates may change after account is opened. Fees may reduce earnings on the account. This product is only available as a consumer account.

Member's Advantage Money Market

Effective Date: June 09, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.05% 0.05%
$100,000 0.10% 0.10%
$250,000 0.15% 0.15%
[1] 1Annual 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 09, 2023
Minimum Amount Dividend Rate APY1
$0 0.250% 0.25%
$1,000 0.499% 0.50%
$10,000 0.747% 0.75%
$25,000 0.995% 1.00%
[1] 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 09, 2023
Minimum Amount Dividend Rate APY1
$0 0.000% 0.00%
$1,000 0.100% 0.10%
$100,000 0.200% 0.20%
$250,000 0.300% 0.30%
[1] 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 09, 2023
Term Dividend Rate APY1
Membership Savings2,3 0.050% 0.05%
Achiever Savings4 0.100% 0.10%
Holiday Club 0.050% 0.05%
Youth Savings2 0.050% 0.05%
[1] 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. [2] Minimum opening balance is $5.00. [3] Minimum balance to earn APY is $300.00. [4] Minimum opening balance is $25.

Ultra Checking

Effective Date: June 09, 2023
Account Type Minimum Amount Dividend Rate APY1
Base Rate $0.00 0.050% 0.05%
Bonus Rate $0.00 4.841% 4.95%
TOTAL Rate $0.00 4.891% 5.00%
Base Rate Over $10,000 0.100% 0.10%
Bonus Rate Over $10,000 0.000% 0.00%
TOTAL Rate Over $10,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account; 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.

Platinum Plus Checking

Effective Date: June 09, 2023
Minimum Amount Dividend Rate APY1
$1,000 0.100% 0.10%
$100,000 0.150% 0.15%
[1] 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.

dividend rates