Credit union · NCUA insured
United Community Credit Union Savings Rates
United Community Credit Union’s best savings rate is 0.80% APY on $10,000, with its Primary Share Savings. Rates checked October 16, 2026.
How United Community Credit Union’s savings rates compare
Compared with banks and credit unions near Quincy, IL-MO, where United Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Community Credit Union
0.80%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $80
Special Share Savings
Top rate
HomeBank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
2nd-highest rate
Members First Community CU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
United Community Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.80%
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 United Community 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.
Cash Stash
0.75%APY
Deposits only allowed through automatic transfers or direct deposits. Maximum of 4 withdrawals a year. No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 1.00% | — |
| $1,000 and up | 0.75% | $75 |
Sources (1)
- myuccu.com/accounts/savings-accounts · captured Oct 16, 2026
Primary Share Savings
0.80%APY
Must maintain a $100.00 balance to earn dividends. If you close your account before dividends are paid you will not receive a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.75% | — |
| $5,000 – $25,000 | 0.80% | $80 |
| $25,000 and up | 0.85% | — |
Sources (2)
All captured Oct 16, 2026
Special Share Savings
0.80%APY
Can be used for any purpose. Must maintain a $100.00 balance to earn dividends. If you close your account before dividends are paid you will not receive a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.75% | — |
| $5,000 – $25,000 | 0.80% | $80 |
| $25,000 and up | 0.85% | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Traditional & Roth IRA Shares
1.06%APY
Traditional IRAs offer tax-deferred earnings and possible tax-deductible contributions. Roth IRA contributions are not tax-deductible; regular contributions can be withdrawn tax/penalty free anytime; earnings tax-free if open 5 tax years and qualified reason. Must maintain a $100.00 balance to earn dividends. If you close your account before dividends are paid you will not receive a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.95% | — |
| $5,000 – $25,000 | 1.06% | $106 |
| $25,000 and up | 1.16% | — |
Sources (2)
All captured Oct 16, 2026
Christmas Club Savings
0.80%APY
Pays out the middle of October of each calendar year. Deposits by mail, over the counter, direct deposit, or payroll deduction. Must maintain a $100.00 balance to earn dividends. If you close your account before dividends are paid you will not receive a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.75% | — |
| $5,000 – $25,000 | 0.80% | $80 |
| $25,000 and up | 0.85% | — |
Sources (2)
All captured Oct 16, 2026
Vacation Club Savings
0.80%APY
Deposits by mail, over the counter, direct deposit, or payroll deduction. Must maintain a $100.00 balance to earn dividends. If you close your account before dividends are paid you will not receive a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.75% | — |
| $5,000 – $25,000 | 0.80% | $80 |
| $25,000 and up | 0.85% | — |
Sources (2)
All captured Oct 16, 2026
Who can join United Community Credit Union
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