Share Savings. Start saving & establish your credit union membership.
Share Savings. Start saving & establish your credit union membership. Join today

Share Accounts

Whether it's for the down payment on a new house, a vacation, college education, or retirement, let us show you how to support your future. A federally insured savings account with market earnings can help you achieve your goals. This account establishes your credit union membership and a minimum balance of $5.00 is required (at all times).

Holiday Club & Vacation Savings Accounts

Set aside money for the holidays or summer fun and you won't feel the financial pinch when they arrive. To make it painless, you can use payroll deduction for regular deposits. You'll earn dividends on these accounts too!

Holiday Clubs

Holiday Club Accounts are slightly different than the traditional club account. Once opened funds are not meant to be withdrawn. The funds are transferred to your savings or checking account on the last business day in October. Fees apply for early withdrawals from the Holiday Club.

Vacation Clubs

Few savings accounts offer the kind of immediate fun and respite that a typically vacation savings account does. This unique type of savings account is setup to do exactly what its name implies: Create a fund that can be used by our members to go on vacation at some point in the future.

Since most people begin an account like this with an “end game” in mind, the account is structured in such a way that it maximizes the potential earnings through interest rates, bonuses, benchmarks, and a comprehensive plan that helps savers meet their goal on time or even early. This is done in a few different ways, depending where the account is offered.

A Vacation Savings Account Offers Excellent Benefits

Most people think of a vacation as a real getaway that involves driving, flying, or even cruising long distances. Vacation can be expensive, so a robust savings account is in order. University Credit Union offers a vacation savings account as a fixed-period account, which means our members establish the date when they’d like to have enough money to take a vacation, and we work with you to create a monthly or weekly contribution that will help you get to that amount of savings on schedule.

Being a savings account, it accrues interest that can help you have even a little bit of extra money as you depart for a break from work and other obligations.

A Great Way To Plan And Pay For A Big Vacation

According to Independent Traveler, going on a vacation often means lots of planning, plenty of spending, and a great deal of fun upon arrival. To make the process of planning and affording the vacation as easy as possible, a savings account might be in order for you. The benefits of a vacation savings account make it a great way to save quickly, pay off an upcoming trip, and ensure that there’s even a little money left over for dinner, a fun night out on the town, and any other excursions that might take place.

Visit your nearest branch or call us at 786.425.5000 to learn more about a Univeristy Credit Union Club Savings account today!

Deposit Rates



Annual Percentage Yield







Money Market

$0 - $1,999.99


Money Market

$2,000.00 - $39,999.99


Money Market

$40,000.00 and up


Holiday Club



Vacation Club



Rates are effective as of 7/03/2024 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.

*APY = Annual Percentage Rate.  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. Fees could reduce the earnings on the account.

Dividend Calculator

Use this financial calculator to improve your financial planning and learn how to reach your financial goals.

Please note that this calculator is provided for informational and planning purposes only. It does not constitute an offer to extend credit. Actual results may vary.

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