Utilities Employees Credit Union
Deposit Rates
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| $500 to $9,999.99 | $500 to $9,999.99 | $10,000 to $74,999.99 | $10,000 to $74,999.99 | $75,000+ | $75,000+ | |
|---|---|---|---|---|---|---|
| Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | |
| 3 mos | 3.45% | 3.50% | 3.54% | 3.60% | 3.64% | 3.70% |
| 5 mos Special | 3.74% | 3.80% | 3.74% | 3.80% | 3.74% | 3.80% |
| 6 mos | 3.40% | 3.45% | 3.49% | 3.55% | 3.59% | 3.65% |
| 9 mos Special | 3.74% | 3.80% | 3.74% | 3.80% | 3.74% | 3.80% |
| 12 mos | 3.45% | 3.50% | 3.54% | 3.60% | 3.64% | 3.70% |
| 18 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 24 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 30 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 36 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 48 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 60 mos | 3.25% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| $0.01 and over | 0.45% | 0.45% |
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| $0.01 and over | 0.45% | 0.45% |
Advantages Money Market Savings Account1Minimum daily balance of $2,500 required to avoid $10.00 monthly fee.
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| $0.01 – $9,999.99 | 1.00% | 1.00% |
| $10,000 – $49,999.99 | 1.04% | 1.05% |
| $50,000 – $99,999.99 | 1.14% | 1.15% |
| $100,000 – $249,999.99 | 1.39% | 1.40% |
| $250,000 – $499,999.99 | 1.69% | 1.70% |
| $500,000 and over | 1.98% | 2.00% |
Kasasa Cash Checking2When Kasasa Cash® qualifications are met during a Monthly Qualification Cycle, daily balances earn the qualifying dividend rate that corresponds to the daily balance. If the Kasasa Cash® account qualifications are not met during a Monthly Qualification Cycle, daily balances earn the nonqualifying dividend rate. If the Kasasa Cash account is closed during the Monthly Qualification Cycle, you will receive dividends accrued at the nonqualifying rate through the date of account closure. Dividends in Kasasa Cash® do not compound if dividends are automatically transferred to the Kasasa Saver® account within one day. See Truth-In-Savings Disclosure for full terms and conditions including monthly qualification requirements and automatic dividend transfers.
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| < = $15,000 | 4.89% | 5.00% |
| > $15,000 | 0.35% | 0.35% |
| Nonqualified | 0.05% | 0.05% |
Kasasa Saver3When your Kasasa Cash® or Kasasa Cash Back® account qualifications are met during a Monthly Qualification Cycle, daily balances in your Kasasa Saver® account earn the qualifying dividend rate that corresponds to the daily balance. When your Kasasa Cash® or Kasasa Cash Back® qualifications are not met, daily balances earn the nonqualifying dividend rate. If the Kasasa Saver® account is closed during the Monthly Qualification Cycle, you will receive dividends accrued at the nonqualifying rate through the date of account closure. See Truth-In-Savings Disclosure for full terms and conditions including monthly qualification requirements. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| < = $50,000 | 1.98% | 2.00% |
| > $50,000 | 0.50% | 0.50% |
| Nonqualified | 0.05% | 0.05% |
Rewards Checking PLUS4$7 monthly service fee will not be charged if a minimum daily balance of $1,000 is maintained or if a total of $1,000 in direct deposits or electronic deposits is made to your Rewards Checking PLUS account during the month.
Account no longer offered. For existing grandfathered accounts, the following rates apply:
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| $0.01 – $9,999.99 | 0.20% | 0.20% |
| $10,000 – $49,999.99 | 0.25% | 0.25% |
| $50,000 and over | 0.30% | 0.30% |
| Account Balance | Nominal Dividend Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. |
|---|---|---|
| $0.01 – $9,999.99 | 1.00% | 1.00% |
| $10,000 – $49,999.99 | 1.04% | 1.05% |
| $50,000 – $99,999.99 | 1.14% | 1.15% |
| $100,000 – $249,999.99 | 1.39% | 1.40% |
| $250,000 – $499,999 | 1.69% | 1.70% |
| $500,000 and over | 1.98% | 2.00% |
Disclosures:
Minimum daily balance of $2,500 required to avoid $10.00 monthly fee.
When Kasasa Cash® qualifications are met during a Monthly Qualification Cycle, daily balances earn the qualifying dividend rate that corresponds to the daily balance. If the Kasasa Cash® account qualifications are not met during a Monthly Qualification Cycle, daily balances earn the nonqualifying dividend rate. If the Kasasa Cash account is closed during the Monthly Qualification Cycle, you will receive dividends accrued at the nonqualifying rate through the date of account closure. Dividends in Kasasa Cash® do not compound if dividends are automatically transferred to the Kasasa Saver® account within one day. See Truth-In-Savings Disclosure for full terms and conditions including monthly qualification requirements and automatic dividend transfers.
When your Kasasa Cash® or Kasasa Cash Back® account qualifications are met during a Monthly Qualification Cycle, daily balances in your Kasasa Saver® account earn the qualifying dividend rate that corresponds to the daily balance. When your Kasasa Cash® or Kasasa Cash Back® qualifications are not met, daily balances earn the nonqualifying dividend rate. If the Kasasa Saver® account is closed during the Monthly Qualification Cycle, you will receive dividends accrued at the nonqualifying rate through the date of account closure. See Truth-In-Savings Disclosure for full terms and conditions including monthly qualification requirements. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
$7 monthly service fee will not be charged if a minimum daily balance of $1,000 is maintained or if a total of $1,000 in direct deposits or electronic deposits is made to your Rewards Checking PLUS account during the month.