Credit union · NCUA insured
United Consumers Credit Union Savings Rates
Top CarrotUnited Consumers Credit Union’s best savings rate is 3.00% APY on $10,000, with its Preferred Money Market. Rates checked October 16, 2026.
How United Consumers Credit Union’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where United Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Consumers Credit Union
3.00%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $300
Preferred Money Market
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
United Consumers Credit Union savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.25%
- QualifiedQualified3.00%
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 United Consumers 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.
Preferred Money Market
3.00%APY
$5 monthly fee applies for balances below $2,500. Includes 3 free withdrawals in-person, by mail, or pre-authorized/drafts/debit card transactions per month; $3 per transaction for the next 3 transactions, and $30 per transaction for 7 or more transactions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 2.80% | — |
| $10,000 – $50,000 | 3.00% | $300 |
| $50,000 – $75,000 | 3.20% | — |
| $75,000 and up | 3.25% | — |
Free Kasasa Saver
Up to 2.00%APY
Links to Free Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate when linked Kasasa Cash/Cash Back qualifications are met during Monthly Qualification Cycle. | 2.00% | $200 | Qualifying rate when linked Kasasa Cash/Cash Back qualifications are met during Monthly Qualification Cycle. |
| Any balanceNon-qualifying rate earned on entire daily balance when linked Kasasa checking qualifications are not met. | 0.01% | $1 | Non-qualifying rate earned on entire daily balance when linked Kasasa checking qualifications are not met. |
| $50,000 and upQualifying rate earned on portion of balance over $50,000 when linked Kasasa Cash/Cash Back qualifications are met. | 0.15% | — | Qualifying rate earned on portion of balance over $50,000 when linked Kasasa Cash/Cash Back qualifications are met. |
Sources (3)
- uccumo.com/accounts/personal-savings
- uccumo.com/accounts/personal-savings/free-kasasa-saver
- uccumo.com/financial-tools/rates
All captured Oct 5, 2026
Classic Money Market
1.00%APY
$3 monthly fee applies for balances below $1,000. Includes 3 free withdrawals in-person, by mail, or pre-authorized/drafts/debit card transactions per month; $3 per transaction for the next 3 transactions, and $30 per transaction for 7 or more transactions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 1.00% | $100 |
Share Savings
0.35%APY
Establishes membership and ownership. 3 free withdrawals per month; $3 fee for each withdrawal in excess thereafter. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $1,000 | 0.05% | — |
| $1,000 – $2,500 | 0.10% | — |
| $2,500 – $5,000 | 0.30% | — |
| $5,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 and up | 0.50% | — |
Sources (3)
- uccumo.com/accounts/personal-savings
- uccumo.com/accounts/personal-savings/share-savings
- uccumo.com/financial-tools/rates
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.40%APY
Traditional and Roth IRA options available. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 0.05% | — |
| $2,000 – $5,000 | 0.30% | — |
| $5,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 and up | 0.55% | — |
Sources (3)
- uccumo.com/accounts/personal-savings
- uccumo.com/accounts/personal-s…-retirement-accounts-ira
- uccumo.com/financial-tools/rates
All captured Oct 5, 2026
Christmas Club
0.20%APY
Funds automatically transferred to share account on November 1st. First 3 early withdrawals are $10 each; $13 for each withdrawal in excess thereafter. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- uccumo.com/accounts/personal-savings
- uccumo.com/accounts/personal-savings/club-accounts
- uccumo.com/financial-tools/rates
All captured Oct 5, 2026
Youth Savings
0.20%APY
Available to kids and teens up to 17 years old with adult joint owner. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- uccumo.com/accounts/personal-savings
- uccumo.com/accounts/personal-savings/youth-savings
- uccumo.com/financial-tools/rates
All captured Oct 5, 2026
Who can join United Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or attend school in Johnson County or Wyandotte County, Kansas.
- Eligible to join if you live or work in Jackson, Buchanan, Cass, Clay, Johnson, Lafayette, Platte, or Ray County, Missouri.
Employers and groups
- Eligible to join as an employee or retiree of partner Select Employee Groups across Health & Home Care, Industrial Business, Religious, Retirement Community, and Specialty Business groups.
Military, government and schools
- Eligible to join as an employee or retiree of affiliated Educational Groups including Adam & Eve Cosmetology, Fort Osage School District, and Kids Kastle.
- Eligible to join as an employee or retiree of qualifying City, County, & Government groups, including United States Government Employees, Active and Reserve Military and veterans (including affiliated organizations), Postal Employees, and participating city and county governments.
Family and household
- Immediate family members of current accountholders and eligible persons (including spouse, sibling, parent, grandparent, child, or grandchild) are eligible to join.
Cost to join
- Membership requires maintaining a $5 balance (one share) in a share savings account.
Membership information collected October 4, 2026.