Deposit Rates - US Community Credit Union
Apply Open Account
Apply Open Account

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%

Emergency Fund Savings**

 $0 Minimum Balance 3.00%

*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 9-11-2026.

**Emergency Fund: 3.00% APY is earned on money in Emergency Fund up to $3,000. Anything over $3,000 will receive the current savings account rate of .05% APY. Only one Emergency Fund per person, per account.

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 9-11-2026.

High Yield Savings Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

High Yield Savings Balance

 Less Than $1,000.00 0.10%

High Yield Savings Balance

 $1,000.00 – $24,999.99 0.40%

High Yield Savings Balance

 $25,000.00 – $99,999.99 0.55%

High Yield Savings Balance

 $100,000.00 and Over 0.60%

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 9-11-2026.

Money Market Account Rates

Savings Type

Account Balance Needed To Earn Stated APY*

APY*

Money Market Balance

 Less Than $1,000.00 0.20%

Money Market Balance

 $1,000.00 – $24,999.99 1.26%

Money Market Balance

 $25,000.00 – $99,999.99 1.66%

Money Market Balance

 $100,000.00 and Over 1.81%

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 9-11-2026.

Checking Rates

Checking Type

Minimum Opening Deposit

APY*

Flex Rewards Checking Acct****

 $50.00 4.00% (if dividend rewards selected)

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.

***As of June 29, 2026, we will no longer offer Six Star Checking as a new account. All current Six Star Checking account holders, will be able to continue using their Six Star Checking account. All qualifications still apply. See Account Agreement for full information.

**** Rate available only if dividend reward choice selected for 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 9-11-2026.

Certificate Rates

Certificate Type

Regular Certificate

($500 – $99,999.99)

Jumbo Certificate

($100,000 or more)

3 Month Certificate (quarterly dividends)

 2.99% APY* 3.04% APY*

6 Month Certificate (monthly dividends)

 3.10% APY* 3.10% APY*

6 Month Certificate (quarterly dividends)

 3.33% APY* 3.38% APY*

9 Month Certificate (quarterly dividends)

 3.59% APY* 3.64% APY*

12 Month Certificate (monthly dividends)

 3.25% APY* 3.25% APY*

12 Month Certificate (quarterly dividends)

 3.85% APY* 3.91% APY*

18 Month Certificate (monthly dividends)

 3.35% APY* 3.35% APY*

18 Month Certificate (quarterly dividends)

 3.91% APY* 3.96% APY*

24 Month Certificate (monthly dividends)

 3.45% APY* 3.45% APY*

24 Month Certificate (quarterly dividends)

 3.97% APY* 4.02% APY*

30 Month Certificate

 4.02% APY* 4.07% APY*

36 Month Certificate

 4.07% APY* 4.13% APY*

48 Month Certificate

 4.13% APY* 4.18% APY*

2nd Chance 48 Month Certificate (quarterly dividends)

 N/A N/A

5 Year Certificate

 4.18% APY* 4.23% APY*

Certificate Specials

12 Month (Quarterly) Special

 4.11% APY† (minimum $2,500) 4.17% APY† (minimum $250,000)

25 Month Retention Special

 4.32% APY†† (Maturing certificate specials only)

13 Month New Member Special

 4.01% APY††† (minimum $500)

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 9-11-2026.

†12 Month Quarterly Certificate Special Requirements: $2,500 minimum/$250,000 maximum to open Regular 12 Month (Quarterly) Certificate Special and $250,000 minimum/$500,000 maximum to open Jumbo 12 Month (Quarterly) Certificate Special. 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. Certificate 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. APY=Annual Percentage Yield. Rates subject to change. Penalty for early withdrawal. Terms and conditions may apply.

††25 Month Retention Special Disclosure: APY=Annual Percentage Yield. Only available to members who have a current certificate which is reaching maturity. No early surrenders allowed. Rates subject to change. Penalty for early withdrawal. Terms and conditions may apply.

†††New Member Certificate Special Disclosure: APY=Annual Percentage Yield. Certificate Requirements: $500 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 6 Month Certificate

 Value Plus Certificate 3.09% APY*

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates current as of 9-11-2026.

IRA Rates

IRA Type

Regular IRA

($500 – $99,999.99)

Jumbo IRA

($100,000 or more)

IRA 12 Month Certificate

 3.96% APY* 4.01% APY*

IRA 18 Month Certificate

 4.02% APY* 4.07% APY*

IRA 24 Month Certificate

 4.07% APY* 4.12% APY*

IRA 36 Month Certificate

 4.13% APY* 4.18% APY*

IRA 48 Month Certificate

 4.18% APY* 4.23% APY*

IRA 5 Year Certificate

 4.23% APY* 4.28% APY*

Roth IRA 12 Month Certificate

 3.96% APY* 4.01% APY*

Roth IRA 18 Month Certificate

 4.02% APY* 4.07% APY*

Roth IRA 24 Month Certificate

 4.07% APY* 4.12% APY*

Roth IRA 36 Month Certificate

 4.13% APY* 4.18% APY*

Roth IRA 48 Month Certificate

 4.18% APY* 4.23% APY*

Roth IRA 5 Year Certificate

 4.23% APY* 4.28% APY*

Trad IRA Specials

N/A

 N/A

N/A

 N/A

N/A

 N/A

A penalty may be imposed for early withdrawal.
Rates current as of 9-11-2026.

 *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.

IRA Variable Rates

Certificate Type

Minimum Balance

APY*

IRA Variable Acct**

 $100 0.20% APY*

Roth IRA Variable Acct**

 $100 0.20% 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 9-11-2026.