Credit union · NCUA insured
United Credit Union Savings Rates
Top CarrotUnited Credit Union’s best savings rate is 0.25% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How United Credit Union’s savings rates compare
Compared with banks and credit unions near Mexico, MO, where United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Credit Union
0.25%APY
- Minimum
- $1
- Earns on $10,000 a year
- $25
Regular Shares
Top rate
HomeBank
1.16%APY
- Minimum
- $50
- Earns on $10,000 a year
- $116
2nd-highest rate
First State Community Bank
0.35%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $35
United Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 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.
Regular Shares
0.25%APY
There is a $1.00 share requirement for each member number that will be held in your regular share account for as long as the account is open. Dividends are credited and compounded quarterly. Rates are variable and determined by credit score and Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score.Any balance | 0.25% | $25 | Last declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score. |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Special Shares
0.25%APY
Dividends are credited and compounded quarterly. Rates are variable and determined by credit score and Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score.Any balance | 0.25% | $25 | Last declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score. |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Special-purpose accounts
Money Market Accounts
0.30%APY
Includes Regular and IRA. Minimum balance requirements apply to average daily balance. Interest is credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $20,000 | 0.30% | $30 |
| $20,000 – $50,000 | 0.35% | — |
| $50,000 and up | 0.45% | — |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Christmas Club
0.25%APY
Dividends are credited and compounded quarterly. Rates are variable and determined by credit score and Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score.Any balance | 0.25% | $25 | Last declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score. |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
IRA Shares
0.25%APY
Dividends are credited and compounded quarterly. Rates are variable and determined by credit score and Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score.Any balance | 0.25% | $25 | Last declared dividend rate: 0.25%. Dividends compounded quarterly. Rate subject to credit approval and credit score. |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Who can join United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who work or reside in Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, or Shelby County.
Cost to join
- An initial deposit of $1.00 into a share (savings) account is required for ownership; there is no membership fee to join.
Membership information collected October 4, 2026.