Membership is FREE! CLICK HERE to join UECU.
Call 800.288.6423 to Get Started!
For a Printable Deposit Rate Sheet, click here.
Certificates of Deposit (CDs) and Individual Retirement Account (IRA) CDs
| CD Term | $500 to $9,999.99 APY1 | $10,000 to $74,999.99 APY1 | $75,000 and over APY1 |
|---|---|---|---|
| 3 Mos | 3.75% | 3.85% | 3.95% |
| 6 Mos | 3.60% | 3.70% | 3.80% |
| 9 Mos Special | 4.20% | 4.20% | 4.20% |
| 12 Mos | 3.55% | 3.65% | 3.75% |
| 15 Mos Special | 4.00% | 4.00% | 4.00% |
| 18 Mos | 3.50% | 3.60% | 3.70% |
| 24 Mos | 3.50% | 3.60% | 3.70% |
| 30 Mos | 3.50% | 3.60% | 3.70% |
| 36 Mos | 3.50% | 3.60% | 3.70% |
| 48 Mos | 3.50% | 3.60% | 3.70% |
| 60 Mos | 3.50% | 3.60% | 3.70% |
Share Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 and over | 0.45% | 0.45% |
Health Savings Account and Special Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $0.01 and over | 0.45% | 0.45% |
Advantages Money Market Savings Account2
| Account Balance | Nominal Dividend Rate | APY1 |
| $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 Checking3
| Account Balance | Nominal Dividend Rate | APY1 |
| < = $15,000 | 4.89% | 5.00% |
| > $15,000 | 0.35% | 0.35% |
| Nonqualified | 0.05% | 0.05% |
Kasasa Saver4
| Account Balance | Nominal Dividend Rate | APY1 |
| < = $50,000 | 1.98% | 2.00% |
| > $50,000 | 0.50% | 0.50% |
| Nonqualified | 0.05% | 0.05% |
Rewards Checking PLUS5
Account no longer offered. For existing grandfathered accounts, the following rates apply:
| Account Balance | Nominal Dividend Rate | APY1 |
| $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% |
IRA Savings Account (Traditional/Roth) and Coverdell Education Savings Account
| Account Balance | Nominal Dividend Rate | APY1 |
| $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% |
1 APY=Annual Percentage Yield. Rates are effective as of 7/1/2025. 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. 9-month certificate renews at 6 months after maturity. 15-month certificate renews at 12 months after maturity. See Credit Union for additional terms and conditions.
2. Minimum daily balance of $2,500 required to avoid $10.00 monthly fee.
3. 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.
4. 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.
5. $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.
Looking for More Options?
Check out Utilities Employees Investment Services* at www.utilitieseis.com
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. Utilities Employees Credit Union and Utilities Employees Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Utilities Employees Investment Services, and may also be employees of Utilities Employees Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Utilities Employees Credit Union or Utilities Employees Investment Services. 11 Meridian Blvd, Wyomissing, PA 19610
Securities and insurance offered through LPL or its affiliates are: Not Credit Union Guaranteed, Not Insured by NCUA or Any Other Government Agency, Not Credit Union Deposits or Obligations, and May Lose Value.
Utilities Employees Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html.