Credit union · NCUA insured
UBI Federal Credit Union Savings Rates
UBI Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Super Saver Money Market Account. Rates checked October 22, 2026.
How UBI Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hartford, CT, where UBI Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UBI Federal Credit Union
2.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $250
Kasasa Saver Account
Top rate
Franklin Trust Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
UBI Federal Credit Union savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- QualifiedQualified2.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UBI Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver Account
Up to 2.50%APY
Offers tiered APY based on qualification and balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying account rate on balances up to $100,000. | 2.50% | $250 | Qualifying account rate on balances up to $100,000. |
| Any balanceRate on accounts that do not qualify. | 0.05% | $5 | Rate on accounts that do not qualify. |
| Over $100,000Qualifying account rate on balances above $100,000. | 0.50% | — | Qualifying account rate on balances above $100,000. |
Sources (1)
- ubifcu.com/grow-your-money/savings-accounts · captured Oct 22, 2026
Super Saver Money Market Account
0.05%APY
A minimum balance of $2,500 is required to earn interest. Minimum withdrawal amount is $500. Account withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $250,000 | 0.15% | — |
| $250,000 and up | 0.20% | — |
Sources (1)
- ubifcu.com/grow-your-money/money-market-accounts · captured Sep 19, 2026
Master Share
0.02%APY
Membership requires a $25 minimum deposit into a regular share account. Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.02% | $2 |
Sources (2)
All captured Oct 22, 2026
Secondary Share
0.02%APY
Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.02% | $2 |
Sources (1)
- ubifcu.com/grow-your-money/savings-accounts · captured Oct 22, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Matures on October 1st. Fees may reduce earnings. Rates subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures on October 1st.Any balance | 0.15% | $15 | Matures on October 1st. |
Sources (2)
All captured Oct 22, 2026
Health Savings Accounts
0.10%APY
Requires a High Deductible Medical Insurance Plan.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $1,000$100 to open | 0.02% | $100 | — |
| $1,000 – $3,000$2,000 to open | 0.05% | $2,000 | — |
| $3,000 – $5,000$3,000 to open | 0.05% | $3,000 | — |
| $5,000 – $10,000$5,000 to open | 0.10% | $5,000 | — |
| $10,000 – $15,000$10,000 to open | 0.10% | $10,000 | $10 |
| $15,000 and up$15,000 to open | 0.15% | $15,000 | — |
Sources (1)
- ubifcu.com/grow-your-money/savings-accounts · captured Oct 22, 2026
Vacation Club
0.15%APY
Matures on May 1st. Fees may reduce earnings. Rates subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures on May 1st.Any balance | 0.15% | $15 | Matures on May 1st. |
Sources (2)
All captured Oct 22, 2026
Conduit IRA
0.10%APY
Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 22, 2026
Education IRA
0.10%APY
Designed to encourage savings for future college education expenses. Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 22, 2026
IRA Holding Share
0.10%APY
Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 22, 2026
Roth IRA
0.10%APY
Contributions are made with after-tax assets, all transactions within the IRA have no tax impact, and withdrawals are usually tax-free. Named for Senator William Roth. Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 22, 2026
Traditional IRA
0.10%APY
Contributions may be tax-deductible. Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 22, 2026
Youth Share
0.05%APY
Designed for children ages 0-11 with a joint account holder. Fees may reduce earnings. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Who can join UBI Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.