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Deposit Rates

Savings Rate

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Primary Share Acct

 $5.00 Minimum Balance 0.05%

Joint Share Acct

 $5.00 Minimum Balance 0.05%

Additional Savings Acct

 $0 Minimum Balance 0.05%

Value Plus Christmas Club

 $0 Minimum Balance 0.05%

Value Plus Vacation Club

 $0 Minimum Balance 0.05%

APY*= Annual Percentage Yield

All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

Fees could reduce the earnings on the account.

Rates current as of 12-16-2024.

Kids Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Regular Share Acct

 $5.00 Minimum Balance 0.05%

Kickstart Kids Savings Acct¹

 $5.00 Minimum Balance 4.06%

APY*= Annual Percentage Yield

¹Rate based on amount in account. 4.06% APY will be paid for account balances up to $500.

Any amount over $500 with receive the Regular Savings Rate of .05% APY.

All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

Fees could reduce the earnings on the account.

Rates current as of 12-16-2024.

High Yield Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

High Yield Savings Balance

 Less Than $1,000.00 0.05%

High Yield Savings Balance

 $1,000.00 – $24,999.99 0.35%

High Yield Savings Balance

 $25,000.00 – $99,999.99 0.45%

High Yield Savings Balance

 $100,000.00 and Over 0.55%

APY*= Annual Percentage Yield

All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

Fees could reduce the earnings on the account.

Rates current as of 12-16-2024.

Money Market Account Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Money Market Balance

 Less Than $1,000.00 0.25%

Money Market Balance

 $1,000.00 – $24,999.99 1.26%

Money Market Balance

 $25,000.00 – $99,999.99 1.76%

Money Market Balance

 $100,000.00 and Over 2.02%

APY*= Annual Percentage Yield

All accounts are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

Fees could reduce the earnings on the account.

Rates current as of 12-16-2024.

Checking Rates

Checking Type

Minimum Opening Deposit

APY*

Prestige Checking Acct**

 $50.00 0.05%

Six Star Checking Acct***

 $50.00 0.75%

APY*= Annual Percentage Yield
All accounts are variable and the rates may change at any time. Not all Share Draft Accounts earn dividends.
Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

**As of November 28, 2017, we will no longer offer Prestige Checking as a new account. All current Prestige Checking account holders, will be able to continue using their Prestige Checking account.

*** Rate based on amount in account and requirements given at time of account opening. Failure to meet monthly requirements results in rate drop to .05% APY. For a full list of requirements Click Here.

Rates current as of 12-16-2024.

Certificate Rates

Certificate Type

Regular Certificate

($500 – $49,999.99)

Jumbo Certificate

($50,000 or more)

3 Month Certificate (quarterly dividends)

 2.80% APY* 2.80% APY*

6 Month Certificate (monthly dividends)

 3.55% APY* 3.55% APY*

6 Month Certificate (quarterly dividends)

 3.68% APY* 3.68% APY*

9 Month Certificate (quarterly dividends)

 3.59% APY* 3.59% APY*

12 Month Certificate (monthly dividends)

 3.40% APY* 3.40% APY*

12 Month Certificate (quarterly dividends)

 3.55% APY* 3.55% APY*

18 Month Certificate (monthly dividends)

 3.35% APY* 3.35% APY*

18 Month Certificate (quarterly dividends)

 3.45% APY* 3.45% APY*

24 Month Certificate (monthly dividends)

 3.25% APY* 3.25% APY*

24 Month Certificate (quarterly dividends)

 3.35% APY* 3.45% APY*

30 Month Certificate

 3.30% APY* 3.40% APY*

36 Month Certificate

 3.14% APY* 3.25% APY*

48 Month Certificate

 3.09% APY* 3.20% APY*

2nd Chance 48 Month Certificate (quarterly dividends)

 N/A N/A

5 Year Certificate

 3.04% APY* 3.15% APY*

Certificate Specials

12 Month Special

 4.16% APY† (minimum $5,000 New Money)

13 Month New Member Special

 4.27 APY†† (minimum $1,000)

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 12-16-2024.

†Certificate Special Disclosure: APY=Annual Percentage Yield. Certificate Requirements: $5,000 minimum to open 12 Month Special. Certificates must be opened with New Money only. New Money is defined as money not on deposit at US Community Credit Union within the prior 6 months. Limited Time Only. Rates subject to change. Penalty for early withdrawal. Special rate only available until first maturity. Non-members wanting to open a certificate must become member and open share account with par value deposit of at least $5. Terms and conditions may apply.

††New Member Certificate Special Disclosure: APY=Annual Percentage Yield. Certificate Requirements: $1,000 minimum to open 13 Month New Member Special. New Member Certificate must be opened within 30 days of new membership being established at US Community Credit Union. Rates subject to change. Penalty for early withdrawal. Special rate only available until first maturity. Non-members wanting to open a certificate must become member and open share account with par value deposit of at least $5. Terms and conditions may apply.

 

Value Plus Certificate Rates

Certificate Type

Minimum Balance

APY*

Value Plus Certificate

 Value Plus Certificate 3.55% APY*

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 12-16-2024.

IRA Rates

IRA Type

Regular IRA

($500 – $49,999.99)

Jumbo IRA

($50,000 or more)

IRA 12 Month Certificate

 3.80% APY* 3.80% APY*

IRA 18 Month Certificate

 3.71% APY* 3.71% APY*

IRA 24 Month Certificate

 3.61% APY* 3.71% APY*

IRA 36 Month Certificate

 3.40% APY* 3.51% APY*

IRA 48 Month Certificate

 3.35% APY* 3.45% APY*

IRA 5 Year Certificate

 3.30% APY* 3.40% APY*

Roth IRA 12 Month Certificate

 3.80% APY* 3.80% APY*

Roth IRA 18 Month Certificate

 3.71% APY* 3.71% APY*

Roth IRA 24 Month Certificate

 3.61% APY* 3.71% APY*

Roth IRA 36 Month Certificate

 3.40% APY* 3.51% APY*

Roth IRA 48 Month Certificate

 3.35% APY* 3.45% APY*

Roth IRA 5 Year Certificate

 3.30% APY* 3.40% APY*

Coverdell Education 12 Month Certificate

 % APY* % APY*

Coverdell Education 18 Month Certificate

 % APY* % APY*

Coverdell Education 24 Month Certificate

 % APY* % APY*

Coverdell Education 36 Month Certificate

 % APY* % APY*

Coverdell Education 48 Month Certificate

 % APY* % APY*

Coverdell Education 5 Year Certificate

 % APY* % APY*

 *APY=Annual Percentage Yield

**Accounts marked are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

A penalty may be imposed for early withdrawal.
Rates current as of 12-16-2024.

IRA Variable Rates

Certificate Type

Minimum Balance

APY*

IRA Variable Acct**

 $100 0.25% APY*

Roth IRA Variable Acct**

 $100 0.25% APY*

Coverdell Education Savings Variable Acct

 $100 % APY*

 *APY=Annual Percentage Yield

**Accounts marked are variable and the rates may change at any time. Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.

A penalty may be imposed for early withdrawal.
Rates current as of 12-16-2024.