empty text

empty text

**FRAUD ALERT** Our team will never ask your username, password, or the one-time authorization code received through a SMS/text, email, voice call, or two-factor authentication application. We will never ask you for the CVV code on your card or related PIN.  If you suspect you are speaking to a fraudster, hang up and call us directly or come by any one of our branch locations to verify if we've been trying to contact you.  

e*branch Login

FAQ

Rates are effective as of 02/22/2024 and are subject to change without notice. All accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. Government.

Deposit Accounts

Account                                                                      

Suffix

Minimum

Annual Percentage Yield

Shares

0

$5

0.10%

Checking

9

$0

----

Money Market

13

$0 - $1,999.99

0.10%

Money Market

13

$2,000.00 - $39,999.99

0.25%

Money Market

13

$40,000.00 and up

0.30%

Holiday Club

5

$0

0.10%

Vacation Club

6

$0

0.10%

 

* APY = Annual Percentage Yield.  CD = Certificate of Deposit.  Limited time offer subject to change or cancellation.  Minimum $25,000.00 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000.00 per CD, per member.  Personal accounts only.   Early withdrawal penalties may apply.   Rates subject to change without notice.  Fees could reduce earnings on the account.  If no action is taken, CD auto-renews at current rates and APY available at that time. Membership required. Relationship Rewards do not apply.  Call us for further details.   


* APY = Annual Percentage Yield.  CD = Certificate of Deposit.  All terms are subject to early withdrawal penalty and or fees which may reduce earnings.  Limited time offer subject to change or cancellation without notice.  Minimum of $500 to a maximum of $250,000 to open a CD, per member.  At maturity this CD rate reverts to the then 24-month CD rate.  Membership required.  Relationship Rewards do not apply.  Call us for further details.  


Share Certificates (CDs)

Term                                                                                                     

Minimum                        

     Annual Percentage Yield

91 Days

$500

0.50%

6 month

$500

1.00%

1 Year

$500

1.25%

2 Year

$500

1.50%

3 Year

$500

1.50%

5 Year

$500

1.50%

Individual Retirement Account

Term                                                                                                          Minimum                         

        Annual Percentage Yield

IRA Accumulation $500

0.50%

1 Year IRA Certificate $500

1.25%

2 Year IRA Certificate $500

1.50%

3 Year IRA Certificate $500

1.50%

5 Year IRA Certificate $500

1.50%

 

Minimum account balances are as follows: Savings - $5.00, Money Market - $2,000, Share Certificates - $500 (excluding special offers), IRAs: $500 for Accumulation account, $500 for 1 Year term, 2 Year Term, 3 Year Term and 5 Year Term.

Rates listed are subject to change without notice. Transaction Limits: $500 withdrawal minimum on Money Market.

Early Withdrawal Penalties on Certificates of Deposit (CD):

  1. CDs 12 month or less, the penalty will remain at 90 days of interest whether earned or not.
  2. CDs greater than 12 months, but less then 5 years the penalty will be 180 days of interest whether earned or not.
  3. CDs 5 years or greater, the penalty will be 365 days of interest whether earned or not.
     

When you purchase a Certificate of Deposit (CD) you agree with University Credit Union, to keep your funds on deposit for the term of the CD.  Each time you make an early withdrawal of principal, University Credit Union may charge you an early withdrawal penalty.  If your account has not earned enough interest to cover an early withdrawal penalty, University Credit Union will deduct any interest first and take the remainder of the penalty from your principal.

Fees could reduce the earnings on the account.

Copyright © 2023 University Credit Union  13241 S.W. 136 St, Miami, FL 33186