Credit union · NCUA insured
United Trades Federal Credit Union Savings Rates
United Trades Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Owner Shares. Rates checked October 22, 2026.
How United Trades Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where United Trades Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Trades Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Owner Shares
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
United Trades Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Trades Federal 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 Owner Shares
0.10%APY
One-time $10 membership fee to join and establish membership.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $100 and up$5 to open | 0.10% | $5 | $10 |
| $10,001 and upUnknown to open | 0.10% | Unknown | — |
| $50,001 and upUnknown to open | 0.10% | Unknown | — |
Sources (3)
- unitedtradesfcu.org/rates
- unitedtradesfcu.org/savings-ac…-regular-savings-account
- unitedtradesfcu.org/savings-accounts
All captured Oct 3, 2026
Special-purpose accounts
IRA Shares
0.05%APY
Available as Roth or Traditional IRA. No maintenance fees.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $100 and up$100 to open | 0.05% | $100 | $5 |
| $25,000 and upUnknown to open | 0.07% | Unknown | — |
| $50,000 and upUnknown to open | 0.10% | Unknown | — |
Sources (2)
All captured Oct 3, 2026
Holiday Club
0.05%APY
Funds automatically transfer to checking or savings on November 1. Early withdrawals permitted with a fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Who can join United Trades Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and families of Jones Heavy Equipment Products are eligible for membership.
- Employees, retirees, and families of Local 290 Union of the United Association of Journeymen and Apprentices of the Plumbing and Steamfitting Industry are eligible for membership.
- Employees, retirees, and families of Watts Heating & Cooling are eligible for membership.
- Employees, retirees, and families of Willamette Building Services are eligible for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- Joining requires opening a Regular Savings account with a $5 deposit.
Membership information collected October 4, 2026.