Credit union · NCUA insured
UNCLE Credit Union Savings Rates
UNCLE Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How UNCLE Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where UNCLE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UNCLE Credit Union
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
UNCLE Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.30%
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 UNCLE 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.
Money Market Account
0.30%APY
Membership eligibility and account approval required. Must maintain at least $5 in Regular Savings Account to maintain membership. Dividends are compounded and credited monthly using the daily balance method. Minimum opening deposit is $2,500. Minimum daily balance of $2,500 required to earn dividends; falling below $2,500 on any day results in a Money Market Low Balance Fee. Non-personal withdrawals limited to six per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $10,000Dividends paid monthly. Rates are variable and may change after account opening. · $2,500 to open | 0.20% | $2,500 | — | Dividends paid monthly. Rates are variable and may change after account opening. |
| $10,000 – $25,000Dividends paid monthly. Rates are variable and may change after account opening. · $2,500 to open | 0.30% | $2,500 | $30 | Dividends paid monthly. Rates are variable and may change after account opening. |
| $25,000 – $50,000Dividends paid monthly. Rates are variable and may change after account opening. · $2,500 to open | 0.31% | $2,500 | — | Dividends paid monthly. Rates are variable and may change after account opening. |
| $50,000 – $100,000Dividends paid monthly. Rates are variable and may change after account opening. · $2,500 to open | 0.57% | $2,500 | — | Dividends paid monthly. Rates are variable and may change after account opening. |
| $100,000 – $150,000Dividends paid monthly. Rates are variable and may change after account opening. · $2,500 to open | 0.90% | $2,500 | — | Dividends paid monthly. Rates are variable and may change after account opening. |
| $150,000 and upHigh-Yield Money Market special offer available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106% (table lists 3.11%). Minimum opening deposit and minimum balance of $150,000 required to earn stated APY. New money required (defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution). Existing Money Market accountholders must increase total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more. · $150,000 to open | 3.15% | $150,000 | — | High-Yield Money Market special offer available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106% (table lists 3.11%). Minimum opening deposit and minimum balance of $150,000 required to earn stated APY. New money required (defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution). Existing Money Market accountholders must increase total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more. |
Sources (2)
All captured Oct 16, 2026
Regular Savings
0.01%APY
Minimum opening balance of $5.00 represents membership share. Minimum daily balance to earn dividends is $100.00. Rates are the same for charitable and not-for-profit organizations. Rates subject to change after account is opened. Monthly dividend period; daily balance calculation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100.00 required to earn dividends. Dividends calculated daily and paid monthly.$100 and up | 0.01% | $1 | Minimum daily balance of $100.00 required to earn dividends. Dividends calculated daily and paid monthly. |
Sources (3)
All captured Sep 25, 2026
Special-purpose accounts
IRA Share Savings
0.05%APY
Minimum opening balance of $10.00 and a minimum daily balance of $100.00 to earn dividends. Rates subject to change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00. Dividends paid monthly.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100.00. Dividends paid monthly. |
Non-Profit Savings
0.01%APY
Required minimum balance to open is $5.00. Required minimum daily balance to earn dividends is $0. Rates are the same for charitable and not-for-profit organizations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequired minimum daily balance to earn dividends: $0. Dividends calculated daily and paid monthly. Rates are the same for charitable & not-for-profit organizations.Any balance | 0.01% | $1 | Required minimum daily balance to earn dividends: $0. Dividends calculated daily and paid monthly. Rates are the same for charitable & not-for-profit organizations. |
Sources (2)
All captured Sep 25, 2026
Youth Savings
0.01%APY
For primary members aged 17 and under. Requires $5.00 opening balance, no monthly service fees, and no minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. For primary members aged 17 and under. Dividends paid monthly.Any balance | 0.01% | $1 | No minimum balance required to earn dividends. For primary members aged 17 and under. Dividends paid monthly. |
Sources (3)
- unclecu.org/wp-content/uploads…e-tisupdate-03012017.pdf
- unclecu.org/youth-accounts
- unclecu.org/all-rates
All captured Sep 25, 2026
Who can join UNCLE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Northern California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are eligible for membership.
Employers and groups
- Individuals who belong to a select local association or are employees of a member company are eligible for membership.
Other ways
- Individuals who do not fit other criteria can join UNCLE Credit Union by first becoming a member of the Financial Fitness Association.
Cost to join
- Opening an account requires an initial share deposit of $5 or more.
- There is no membership fee to join UNCLE Credit Union.
Membership information collected October 5, 2026.