The UFCU Savings Account is the foundation of your Credit Union membership.  The account is sometimes referred to as the master account with a suffix “00”.  It is established automatically with your membership application.  Savings is easy by establishing regular Direct Deposit of Net Pay or by making occasional periodic deposits.  The account is a good way to build a rainy day fund, or save for a special occasion.  And your savings can be withdrawn at any time.

The account offers:

.        No fees

.        High yields paid on savings balances

.        Easy access for balances and for transfers

.        Around-the-clock account access

Opening an account is easy.  Simply complete an on-line Membership Application

Term CD Accounts

UFCU certificates of deposit offer you attractive yields that are guaranteed.  And you can establish a maturity schedule to fit your needs.  Certificates are available with terms from 3 months to 48 months.  Minimum certificate amounts are $1,000. Higher yields are available for amounts over $10,000 and $75,000 (Jumbos).  So, if you’re tired of stock market volatility, consider certificates of deposit. 

Click here to see our current certificate rates.

Click here for a Certificate of Deposit application form.

Certificate Laddering

Certificate laddering is a smart way to earn more on your invested funds.  It works like this.  Through convenient, regular payroll deductions you’ve accumulated a substantial amount in your regular savings account. You want to earn higher rates.  Establish a ladder of certificates that mature in one, two, three and four years.  One year later, the first certificate matures with interest.  If you don’t need the money, reinvest in a new four-year certificate, at the higher dividend rate.  Next year, your two-year certificate matures with interest.  Again, if you don’t need the money, reinvest in another four-year certificate at the higher dividend rate.  By the end of the fourth year, all your investments will be earning at the higher four-year certificate rates.  Laddering gives you higher earnings and the flexibility of access to your funds if you need them.  Spreading the maturities over four years is just one way.  The ladder also works over shorter periods, say six months, one year, eighteen months and two years. 

Click here for a Certificate of Deposit application form.

Youth Accounts

It’s never too early to learn about money management.  UFCU is a perfect place for children, teens and young adults to learn how to manage finances. 
Our Just for Kids account is perfect for the young child.  The account includes a special membership kit including a gift and other incentives that make saving a way of life.
Click here to open a Just for Kids account.

Our Next Generation Account is perfect for the teen.  The account offers teens no-fee savings and checking (18 and under require a parent or legal guardian as a joint owner), and ATM/Visa Debit Card and 24 hour account access.  Next Generation members are also eligible for UFCU scholarship and awards. 
Click here to open a Next Generation account.

Our Student Money Manager Account is perfect for the college student.  The account offers no-fee savings and checking, 24/7 access to their funds, an ATM/Visa®Debit Card having no transaction fees, and easy-to-understand statements. 
Click here to open a Student Money Manager account.

Individual Retirement Accounts (IRA)

Traditional IRA, Roth IRA and Education Savings accounts are programs designed to help you save for retirement or a child’s education.  A Traditional IRA is funded with pre-tax money and may be tax-deductible on your current Federal Income Tax Return.  A Roth IRA is funded with your after-tax money, and your annual deposits are not tax deductible.  The Credit Union offers both savings and term accounts for Traditional IRAs, Roth IRAs and Education Savings

Contact the Credit Union to open your IRA account today.