Credit union · NCUA insured
UCCU Savings Rates
UCCU’s best savings rate is 1.00% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How UCCU’s savings rates compare
Compared with banks and credit unions near Provo, UT, where UCCU has the most branches. $10,000, best rate first.
This credit union’s best
UCCU
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
Money Market Savings
Top rate
Happen Bank
4.20%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Deseret First Credit Union
4.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $410
UCCU savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.45%
- QualifiedQualified1.00%
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 UCCU 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.
Money Market Savings
1.00%APY
Tiered rate account. To open any account, must deposit or already have on deposit the minimum required share(s) in a Share Savings or Youth Share Savings account (2 shares at $2.50 par value plus $5.00 membership fee). Rate applies to the full balance once a tier is met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends compounded and credited monthly. Daily balance method. | 0.50% | — | Dividends compounded and credited monthly. Daily balance method. |
| $2,500 – $10,000Dividends compounded and credited monthly. Daily balance method. | 0.85% | — | Dividends compounded and credited monthly. Daily balance method. |
| $10,000 – $25,000Dividends compounded and credited monthly. Daily balance method. | 1.00% | $100 | Dividends compounded and credited monthly. Daily balance method. |
| $25,000 – $50,000Dividends compounded and credited monthly. Daily balance method. | 1.45% | — | Dividends compounded and credited monthly. Daily balance method. |
| $50,000 – $100,000Dividends compounded and credited monthly. Daily balance method. | 1.95% | — | Dividends compounded and credited monthly. Daily balance method. |
| $100,000 – $250,000Dividends compounded and credited monthly. Daily balance method. | 2.45% | — | Dividends compounded and credited monthly. Daily balance method. |
| $250,000 – $1,000,000Dividends compounded and credited monthly. Daily balance method. | 3.25% | — | Dividends compounded and credited monthly. Daily balance method. |
| $1,000,000 and upDividends compounded and credited monthly. Daily balance method. | 3.55% | — | Dividends compounded and credited monthly. Daily balance method. |
Sources (3)
All captured Oct 22, 2026
Share Savings
0.05%APY
Foundation account for UCCU membership. Deposits federally insured by the NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily interest paid monthly. No monthly maintenance fees. $5 minimum deposit required for the primary Share Savings account to establish and keep membership active.$5 and up | 0.05% | $5 | Daily interest paid monthly. No monthly maintenance fees. $5 minimum deposit required for the primary Share Savings account to establish and keep membership active. |
Sources (1)
- uccu.com/share-savings · captured Sep 16, 2026
Special-purpose accounts
Youth Money Market Savings
1.00%APY
Eligibility: Age <18. Tiered rate account. To open any account, must deposit or already have on deposit the minimum required share(s) in a Share Savings or Youth Share Savings account (2 shares at $2.50 par value plus $5.00 membership fee). Rate applies to the full balance once a tier is met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends compounded and credited monthly. Daily balance method. | 0.50% | — | Dividends compounded and credited monthly. Daily balance method. |
| $2,500 – $10,000Dividends compounded and credited monthly. Daily balance method. | 0.85% | — | Dividends compounded and credited monthly. Daily balance method. |
| $10,000 and upDividends compounded and credited monthly. Daily balance method. | 1.00% | $100 | Dividends compounded and credited monthly. Daily balance method. |
Sources (2)
All captured Oct 22, 2026
Who can join UCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the Financial Fitness Association to qualify for UCCU membership, and UCCU will pay the one-time membership fee.
- Membership is available to any individuals and businesses in the United States.
Employers and groups
- Eligible to join through qualifying employer or association groups listed on UCCU's Employment & Association List.
Military, government and schools
- Employees of NEBO School District and Provo City School District are eligible for membership.
- Utah Valley University employees, students, Alumni Association members, Athletics, corporate partners, and donors are eligible for membership.
Family and household
- Eligible if a family or household member is already a UCCU member or is eligible for UCCU membership.
1 more way to join
Family and household
- Eligible if someone in your immediate family (including grandparents and blended family connections) or household (living under the same roof) is already a UCCU member.
Cost to join
- $5 to fund the account via credit card or external bank account (only for accounts opened online).
Membership information collected October 4, 2026.