Great Rates to Grow Your Savings
At UFCU, we work hard to provide our Members the best available options for enhancing their savings. We have established a relationship with a network of financial institutions to find the best yield for your money, while keeping your funds federally insured and accessible immediately. We do the work, so you don’t have to.
Effective May 1, 2022, Money Market accounts (balances from $105,000 to $600,000†) will be placed into interest-bearing accounts at FDIC- and NCUA-insured financial institutions. Interest is calculated daily, compounded and credited monthly.
| Account Type |
Rate |
APY |
| Money Market (up to $10,000) |
0.010% |
0.01% |
| Money Market w/ Bonus Dividend1 (up to $10,000) |
0.060% |
0.06% |
| Money Market ($10,000 to $50,000) |
0.150% |
0.15% |
| Money Market ($50,000 to $100,000 ) |
0.350% |
0.35% |
| Money Market ($100,000 to $150,000) |
0.648% |
0.65% |
| Money Market (greater than $150,000) |
0.748% |
0.75% |
Effective Date: September 1, 2022 (terms subject to change)
1Bonus Dividend applies only to the first $10,000 in Money Market share deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
† Amount changed September 29, 2022, from $125,000 to $105,000.
Earn a Bonus Dividend
Members can sweeten their Money Market savings with an additional .05% APY (over the standard rate). The Bonus Dividend rate is earned on the first $10,000 in Money Market Share deposits.
We’ll automatically apply your bonus dividend rate when you perform at least 10 qualifying checking account transactions* in a single month:
- Use your debit card to make a purchase
- Perform a UFCU Bill Pay transaction
- Direct deposit your payroll check
- Write a check
- Make a deposit
- Transfer money to or from your accounts
- Pay your bills
- Make a deposit or withdrawal at an ATM
Visit your local branch to learn more
Mobilize Your Money Market
Access UFCU wherever you are and make quick, easy deposits with mobile banking.
Learn more
Receiving Financial Institutions
Our network of FDIC- and NCUA-insured banks and credit unions put your money to work for you. This table lists the financial institutions# your funds will operate under for maximized returns, depending on your balance.
| CU/Bank List |
NCUA Charter #/FDIC Cert # |
| AXOS BANK |
35546 |
| BELL BANK |
19581 |
| CITIZENS BANK, NATIONAL ASSOCIATION |
57957 |
| COLUMBIA BANK |
33826 |
| FIRST BUSINESS BANK |
15229 |
| GESA CU |
68278 |
| GREENSTATE CU |
60269 |
| OREGON COMMUNITY CU |
65856 |
| PEAPACK-GLADSTONE BANK |
11035 |
| SALLIE MAE BANK |
58177 |
| UNIVERSITY FIRST CU |
24710 |
Still Have Questions?
Read our Frequently Asked Questions About Money Markets , and always stay on top of your financial health by knowing the terms of your accounts .
#Receiving financial institutions are subject to change without notice.
APY = Annual Percentage Yield
Dividends are based on UFCU's earnings at the end of a dividend period and cannot be guaranteed.
* Checking account transactions that do not qualify for the UFCU Money Market Bonus Dividend rate are fees, posted dividends, or returned items.