skip to main content
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 3.65% APY1
save more 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 |
|||
|---|---|---|---|
| Effective Date: April 01, 2026 | |||
| Minimum Amount | Dividend Rate | APY1 | APY with Bonus Rate2 |
| $0 | 0.000% | 0.00% | 0.00% |
| $1,000 | 0.648% | 0.65% | 3.15% |
| $100,000 | 0.896% | 0.90% | 3.40% |
| $250,000 | 1.144% | 1.15% | 3.65% |
| [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. | |||
money market special
make the most of every dollar saved
In a time when every dollar matters, we’ve got U covered with our new Money Market Special. Better yet, no transaction requirements. Just fund your new account with at least $15,000 and enjoy up to 4.00% APY² for six months.
Money Market Special |
||
|---|---|---|
| Effective Date: April 01, 2026 | ||
| Amount | Dividend Rate | APY1 |
| $0 - $100,000.00 | 3.928% | 4.00% |
| $100,000.01 + | 0.896% | 0.90% |
| [1] APY = Annual Percentage Yield. APY is accurate as of 4/1/2026 and is subject to change without notice. The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 4/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened. | ||
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.
related savings articles
6 Benefits of Joining a Credit Union
As more people are learning the difference between a bank and a credit union, here are top reasons why many are making the switch.
8 Simple Tips to Save Money
Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough - here are 8 simple tips for saving!
Kids Inherit Financial Habits from Parents
See what studies say about kids' financials habits and how parents can talk to them about money.
Planning Ahead for the Holiday Season
It's a great time to start planning your holiday budget ahead of the New Year.
[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; 0.65% APY on balances of $1,000+; 0.90% APY on balances of $100,000+; and 1.15% APY on balances of $250,000+. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.
[2] Money Market Special = APY is accurate as of 4/1/2026 and is subject to change without notice. The rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 4/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Balances exceeding $100,000 will earn 0.90% APY. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.