Credit union · NCUA insured
United Local Credit Union Savings Rates
United Local Credit Union’s best savings rate is 0.05% APY on $10,000, with its Primary & Secondary Savings. Rates checked October 16, 2026.
How United Local Credit Union’s savings rates compare
Compared with banks and credit unions near Fresno, CA, where United Local Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Local Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Primary & Secondary Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Pacific Service Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
United Local Credit Union savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.08%
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 Local 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 Accounts
0.08%APY on $10,000
Deposit rates are blended from the first tier through the top tier. Fees can potentially reduce your earnings. No monthly service charges.
| Part of the balance | Rate on that part |
|---|---|
| $2,500 – $9,999 | 0.10% |
| $10,000 – $24,999 | 0.10% |
| $25,000 – $49,999 | 0.10% |
| $50,000 – $99,999 | 0.10% |
| $100,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.08% APY, earning $8 a year.
Sources (2)
All captured Oct 6, 2026
Primary & Secondary Savings
0.05%APY
To become a member of United Local, you are required to open and maintain a regular savings account with a minimum deposit of $5.00. Interest paid is dependent upon average monthly balance and is paid quarterly. Dividend rates and yields are calculated monthly on average daily balance and posted at the end of each calendar quarter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. | 0.00% | — | Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. |
| Up to $1,999Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. | 0.00% | — | Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. |
| $2,000 – $4,999Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. | 0.03% | — | Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. |
| $5,000 – $9,999Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. | 0.05% | — | Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. |
| $10,000 and upDividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. | 0.05% | $5 | Dividend rates and yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Youth Savings
1.51%APY
Available to youth ages 13 to 17; parent or guardian required. $100.00 opening deposit made by ULCU. No fees to open or maintain. Interest paid on youth savings is dependent upon average monthly balance and is paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSpecial Dividend rate of 1.50%. $100.00 opening deposit MADE BY ULCU. No fees to open or maintain. Interest paid is dependent upon average monthly balance and is paid quarterly. Parent or Guardian required.Any balance | 1.51% | $151 | Special Dividend rate of 1.50%. $100.00 opening deposit MADE BY ULCU. No fees to open or maintain. Interest paid is dependent upon average monthly balance and is paid quarterly. Parent or Guardian required. |
Sources (1)
- unitedlocal.org/accounts/savings · captured Oct 16, 2026
IRA Savings
0.39%APY
Dividend calculation is same as Primary Savings (calculated monthly on average daily balance and posted quarterly). Refer to IRA Agreement & Disclosures for additional details.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,999Dividend calculation is same as Primary Savings. | 0.29% | — | Dividend calculation is same as Primary Savings. |
| $2,000 – $9,999Dividend calculation is same as Primary Savings. | 0.29% | — | Dividend calculation is same as Primary Savings. |
| $10,000 – $24,999Dividend calculation is same as Primary Savings. | 0.39% | $39 | Dividend calculation is same as Primary Savings. |
| $25,000 – $49,999Dividend calculation is same as Primary Savings. | 0.39% | — | Dividend calculation is same as Primary Savings. |
| $50,000 and upDividend calculation is same as Primary Savings. | 0.39% | — | Dividend calculation is same as Primary Savings. |
Sources (2)
All captured Oct 16, 2026
Christmas Club Savings
0.25%APY
Dividends paid annually through October 31st, calculated by daily balance method, and funds are automatically deposited into Personal Savings Account the first week in November. $1.00 opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required for dividends. Dividends paid annually through October 31st, calculated by daily balance method. Funds automatically deposited into Personal Savings Account first week in November.Any balance | 0.25% | $25 | No minimum balance required for dividends. Dividends paid annually through October 31st, calculated by daily balance method. Funds automatically deposited into Personal Savings Account first week in November. |
Sources (2)
All captured Oct 16, 2026
Who can join United Local Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives or works in Fresno, Madera, Tulare, Kings, or Merced Counties.
Employers and groups
- Members of any local union affiliated with the Central Labor Council are eligible for membership.
- Retail Clerks from Fresno, Madera, Tulare, Kings, Mariposa, and Merced counties are eligible for membership.
Membership information collected October 5, 2026.