APY ACCURATE AS OF - November 1, 2018. 

Checking Accounts 1

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Accounts Minimum to Open Annual Percentage Yield 1
Rewards Checking
(Qualified Accounts) 3
$0 to $19,999 average daily balance
$50 2.00 %
Rewards Checking
(Qualified Accounts) 3
$20,000 greater average daily balance
$50 0.15 %
Rewards Checking
(Non-Qualified Accounts) 3
$0 or greater average daily balance
$50
0.01 %
R2 Checking
(Qualified Accounts) 4
$0 to $19,999 average daily balance

$50 2.50 %
R2 Checking
(Qualified Accounts) 4
$20,000 greater average daily balance
$50
0.15 %
R2 Checking
(Non-Qualified Accounts) 4
$0 or greater average daily balance
$50 0.01 %

Savings Accounts 1

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Accounts Minimum to Open Annual Percentage Yield 1
Share Savings Account 2
$100 average daily balance
$5 0.05 %
Share Savings Account 2
$1,000 average daily balance
$5 0.05 %
Share Savings Account 2
$25,000 average daily balance
$5 0.05 %

Business Checking Accounts 1

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Accounts Minimum to Open Annual Percentage Yield 1
Business Basic Checking 5
Non-interest bearing
$50 0.00%
Business Checking 6
Non-interest bearing
$50 0.00%
Commercial Checking 7
$0 to $4,999 average daily balance
$50 0.00%
Commercial Checking 7
$5,000 to $24,999 average daily balance
$50 0.10 %
Commercial Checking 7
$25,000 to $99,999 average daily balance
$50 0.10 %
Commercial Checking 7
$100,000 average daily balance
$50 0.10 %

Business Savings Accounts 1

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Accounts Minimum to Open Annual Percentage Yield 1
Business Savings 2
$500 to $2,499 average daily balance
$5 0.05 %
Business Savings 2
$2,500 to $24,999 average daily balance
$5 0.05 %
Business Savings 2
$25,000 or greater average daily balance
$5 0.05 %
For savings or checking accounts that pay a dividend, rates may vary after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.
Share Savings and Business Savings: $1.00 per debit after three (3) per month. Dividends compounded monthly / variable rate may change monthly.
APY is Annual Percentage Yield. Rate is subject to change after the account is opened. 2.00 % APY paid on balances up to $20,000, and all ATM surcharges assessed by other institutions and UICCU usage fees will be refunded (up to $10) provided the following qualifiers are met each monthly qualification cycle: 1) Fifteen or more debit card purchases must post and clear the account and must average at least $10; 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances and ATM surcharge and usage fees will not be refunded for that cycle. Limit one account per individual. Individuals may choose either a Rewards Checking or R2 Checking, but are not permitted to have both account types. Personal accounts only. Primary account holder must be at least 18 years of age. $50 initial deposit required. May choose between e-Statements (free) or paper statements ($2.00 per month). Fees could reduce earnings.
APY is Annual Percentage. Rate is subject to change after the account is opened. 2.50% APY paid on balances up to $20,000. Requirements to earn premium yield 1) Fifteen or more UICCU credit card purchases averaging at least $10 must post to the card between the first day of the month and the second to last day of the month. Transactions posted on the last day of the month will be applied to the next month's totals. 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances. Any points earned on the credit card will still accrue even if these requirements are not met. Limit one account per individual. Credit card must be listed under the same account as the R2 Checking to qualify. Individuals may choose either a Rewards Checking or R2 Checking account, but are not permitted to have both account types. Personal accounts only. Primary account holder must be at least 18 years of age. $50 initial deposit required. May choose between e-Statements (free) or paper statements ($2.00 per month). Fees could reduce earnings.
Business Basic Checking: No minimum balance. $500 min average daily balance to avoid a $6 Monthly Maintenance Fee. Per debit fee: $0.25 per debit after 50.
Business Checking: No minimum balance. $500 min average daily balance to avoid a $6 Monthly Maintenance Fee. Per debit fee: $0.25 per debit after 100.
Commercial Checking: No minimum balance. $5,000 min average daily balance to avoid a $25 Monthly Maintenance Fee. Per debit fee: $0.15 per debit after 400.


For R2 and Rewards Checking promotional rate offers, please refer to your original account disclosures for APY, duration of promotional rate, and terms and conditions.

APY ACCURATE AS OF - November 1, 2018. 

CDs and IRAs*

Bonus yields available for amounts greater than $100,000.

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Accounts Minimum to Open Annual Percentage Yield
7 Month Special
$1,000 2.10 %
2.20% APY if balance is between $10,000 - $99,999
2.30% APY if balance exceeds $100,000
19 Month Special
$1,000 2.70 %
2.80% APY if balance is between $10,000 - $99,999
2.90% APY if balance exceeds $100,000
39 Month Special BUMP OPTION
$1,000 3.20 %
3.30% APY if balance is between $10,000 - $99,999
3.40% APY if balance exceeds $100,000
3 to 6 Month $500 0.30 %
7 to 12 Month $500 0.50 %
13 to 24 Month $500 0.60 %
25 to 36 Month $500 0.75 %
37 to 48 Month $500 0.95 %
49 to 60 Month $500 1.20 %
Young Investor CD $100 0.50 %

Insured by NCUA up to $250,000
Share accounts are insured up to $250,000 by the NCUA. Depending on account ownership structure coverage may be greater.

Bonus Yields
For amounts greater than $100,000 on non-special CDs, a bonus yield of 0.10% is added to the above stated APY.

Bump Option
Bump-Up CD has a one-time rate increase option that allows you to increase the rate for the remaining term of the CD to match the current rate on a CD of equivalent terms.

Best Rate Guarantee
If you find a better advertised yield on a CD or IRA at a financial institution based in the counties we serve, the UICCU will beat it. Guarantee available for a limited time only. Applies only to CDs or IRAs with comparable terms and conditions. Does not apply in those cases where the credit union does not offer a comparable product. Not available to public organizations or other financial institutions. Maximums apply.

Certificates
Minimum deposit of $500 required. Penalty for early withdrawal. 3-6 month dividends compounded at maturity, all other terms compounded quarterly.

IRAs
Traditional, Roth, and SEP IRAs. $100 minimum. Penalty for early withdrawal.

Young Investor Certificate
The Young Investor Certificate is designed specifically for our members younger than 18 years of age. It is a 12 month fixed rate certificate of deposit that allows additional deposits of at least $25 at any time during the term. Minimum to open is only $100 and it earns a competitive rate!


Money Market*

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Accounts Minimum to Open Annual Percentage Yield*
Green Account
$10,000 to $99,999 average daily balance
$10,000 1.25 %
Green Account
$100,000 to $249,999 average daily balance
$10,000 1.50 %
Green Account
$250,000 to $499,999 average daily balance
$10,000 1.75 %
Green Account
$499,999 or greater average daily balance
$10,000 2.00 %
Preferred Money Market
$25,000 to $49,999 average daily balance
$25,000 0.60 %
Preferred Money Market
$50,000 to $99,999 average daily balance
$25,000 0.80 %
Preferred Money Market
$100,000 to $249,999 average daily balance
$25,000 1.10 %
Preferred Money Market
$250,000 or greater average daily balance
$25,000 1.40 %
Premier Money Market
$10,000 - $49,999 average daily balance
$10,000 0.20 %
Premier Money Market
$50,000 - $99,999 average daily balance
$10,000 0.40 %
Premier Money Market
$100,000 - $249,999 average daily balance
$10,000 0.55 %
Premier Money Market
$250,000 or greater average daily balance
$10,000 0.80 %
Mega Money Market
$25,000 to $49,999 average daily balance
$25,000 0.50 %
Mega Money Market
$50,000 to $99,999 average daily balance
$25,000 0.70 %
Mega Money Market
$100,000 to $249,999 average daily balance
$25,000 0.90 %
Mega Money Market
$250,000 or greater average daily balance
$25,000 1.00 %
Big Savings (Closed to new investors)
$25,000 - $99,999 average daily balance
$25,000 0.15 %
Big Savings (Closed to new investors)
$100,000 - $249,999 average daily balance
$25,000 0.25 %
Big Savings (Closed to new investors)
$250,000 or greater average daily balance
$25,000 0.45 %

Business Money Market*

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Accounts Minimum to Open Annual Percentage Yield*
Business Green Account
$10,000 - $99,999 average daily balance
$10,000 1.25 %
Business Green Account
$100,000 - $249,999 average daily balance
$10,000 1.50 %
Business Green Account
$250,000 - $499,999 average daily balance
$10,000 1.75 %
Business Green Account
$500,000 or greater average daily balance
$10,000 2.00 %
Business Premier Money Market Account
$10,000 - $49,999 average daily balance
$10,000 0.20 %
Business Premier Money Market Account
$50,000 - $99,999 average daily balance
$10,000 0.40 %
Business Premier Money Market Account
$100,000 - $249,999 average daily balance
$10,000 0.55 %
Business Premier Money Market Account
$250,000 or greater average daily balance
$10,000 0.80 %
Business Mega Money Market
$25,000 to $49,999 average daily balance
$25,000 0.50 %
Business Mega Money Market
$50,000 to $99,999 average daily balance
$25,000 0.70 %
Business Mega Money Market
$100,000 to $249,999 average daily balance
$25,000 0.90 %
Business Mega Money Market
$250,000 or greater average daily balance
$25,000 1.00 %
Business Big Savings †  (Closed to new investors)
$25,000 - $99,999 average daily balance
$25,000 0.15 %
Business Big Savings (Closed to new investors)
$100,000 - $249,999 average daily balance
$25,000 0.25 %
Business Big Savings (Closed to new investors)
$250,000 or greater average daily balance
$25,000 0.45 %
APY is Annual Percentage Yield. APY listed above is accurate as of the last dividend declaration date.
†  APY is Annual Percentage Yield. Fees may reduce earnings. Premier Money Market Account: $10 per debit after 3; accounts without e-statements will be charged a fee of $1. Green Account + Mega + Preferred Money Market Accounts: $10 per debit after 3. Big Savings Account: $5 per debit after 3. Business Premier Money Market Account: $15 per debit after 3. Business Green Account + Business Mega Money Market Account $10 per debit after 3. Business Big Savings: $15 per debit after 3.