Name Change Tip:
Your UICCU debit card, credit card, and checks will still work even after our name has changed.

Savings

Savings Accounts

What's the reason you're saving? Whether it's a vacation, wedding, baby or a rainy day, a savings account at UICCU is a safe place to store your money. Dividends are paid monthly, and you can easily transfer funds to or from your UICCU or external bank account.

To open a new savings account or add additional accounts to your existing membership, you can stop by any branch location, give us a call at 1-800-397-3790, or:

Open an Account Online in Minutes

Kirby's Kids Club

The Kirby's Kids Club is an educational, fun club designed to teach kids 8 and under about the value of saving money. Kirby's Kids receive a birthday card with a special pass to the Iowa Children's Museum each year, and invitations to special Kirby Kangaroo events.

To sign up, give us a call at 1-800-397-3790 or stop by any UICCU office!

Saving Tips

Use separate savings accounts for different goals.

Did you know you can open more than one savings account with your UICCU  membership? Separate savings accounts can help bring your goals into focus when you give each account a name in online banking:

Example of named savings account in UICCU online banking.

Example screen shot of multiple savings accounts viewed online

Pay yourself first with recurring transfers to savings.

Automate your good savings habit in just minutes with a recurring funds transfer in online banking. Choose an amount and frequency that fits your needs and start building your savings with ease. Learn how to setup an a recurring transfer in online banking and put your savings on autopilot today. 

Certificates of Deposit & Individual Retirement Accounts

CDs and IRAs allow you to lock your money away for a term and earn higher yields than typical savings accounts. Our CDs & IRAs have been recognized nationally for their aggressive yields. They can be opened with as little as a $500 initial investment. Terms range from 3 to 60 months. Often times, UICCU offers jumbo rates available for amounts over $100,000. 

Young Investor CD

For the financial genius-in-training under 18, we have a Young Investor CD option, with lower initial investment requirements.

CD Ladders

Investing in a series of CDs with different maturities can help you reach higher interest rates while maintaining better liquidity than investing in a single long-term CD.  

CD Ladder Calculator

Money Market Accounts

What is a Money Market Account?

UICCU Money Market Accounts are interest-bearing accounts that pay a higher interest rate than regular savings while still being protected and insured by the NCUA up to $250,000.  Our Money Market Accounts use tiered rates to maximize your earnings and are a great place to store your funds that you want to keep liquid.  

Open an Account Online in Minutes

Green Account

Introducing the Green Account! If you’re looking for a safe place to grow your money, our new Green Money Market Account offers our highest yields with tiered rates to maximize your earnings.  Green Accounts can be opened with New Money or with funds from maturing UICCU CDs.

Preferred Money Market

Our Preferred Money Market account is open to all new investors looking to safely grow their savings.  Get in touch today to start earning more! 

Certificates -

Minimum deposit of $500 required. 3-6 month dividends compounded at maturity, all other terms compounded quarterly. Penalty for early withdrawal. Early withdrawal penalty is based on the term of the CD. Certificates with a term of less than a year will be calculated equal to the number of days in the certificate term. Certificates with terms of a year or longer will be charged 365 days of dividends. Loss of principal investment is possible.