Credit union · NCUA insured
Universal 1 Credit Union Savings Rates
Top CarrotUniversal 1 Credit Union’s best savings rate is 2.02% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Universal 1 Credit Union’s savings rates compare
Compared with banks and credit unions near Dayton, OH, where Universal 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Universal 1 Credit Union
2.02%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $202
Money Market Accounts
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Universal 1 Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.32%
- QualifiedQualified2.02%
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 Universal 1 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
2.02%APY
Must maintain membership requirement of 1 share ($5.00 par value) in a main Savings account. Tiered rate account where the rate for a met balance range applies to the full balance. Minimum daily balance of $2,000.00 required to avoid a service fee and earn the stated APY. Maximum 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Tier 1: $2,000.00 to $10,000.00 | 2.02% | $202 | Tier 1: $2,000.00 to $10,000.00 |
| $10,000 – $25,000Tier 2: $10,000.01 to $25,000.00 | 2.12% | — | Tier 2: $10,000.01 to $25,000.00 |
| $25,000 – $50,000Tier 3: $25,000.01 to $50,000.00 | 2.22% | — | Tier 3: $25,000.01 to $50,000.00 |
| $50,000 – $100,000Tier 4: $50,000.01 to $100,000.00 | 2.32% | — | Tier 4: $50,000.01 to $100,000.00 |
| $100,000 – $250,000Tier 5: $100,000.01 to $250,000.00 | 2.43% | — | Tier 5: $100,000.01 to $250,000.00 |
| Over $250,000Tier 6: $250,000.01 or greater | 2.53% | — | Tier 6: $250,000.01 or greater |
Savings Accounts
0.05%APY
Dividends compounded monthly, credited monthly. Average daily balance method. Minimum balance to avoid service fee is $300.01. Account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $10,000Tier 2: APY on the average daily balance of $300.00 or more, paid monthly. | 0.05% | $5 | Tier 2: APY on the average daily balance of $300.00 or more, paid monthly. |
| $10,000 – $50,000Tier 3 | 0.10% | — | Tier 3 |
| Over $50,000Tier 4 | 0.15% | — | Tier 4 |
Sources (3)
All captured Oct 6, 2026
Savings Plus Accounts
0.05%APY
Dividends compounded monthly, credited monthly. Average daily balance method. No minimum balance to avoid a service fee. No account limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $10,000Tier 2: APY on the average daily balance of $300.00 or more, paid monthly. | 0.05% | $5 | Tier 2: APY on the average daily balance of $300.00 or more, paid monthly. |
| $10,000 – $50,000Tier 3 | 0.10% | — | Tier 3 |
| Over $50,000Tier 4 | 0.15% | — | Tier 4 |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. Balance limits apply for investment options ($1,000+). Transaction limits may apply.Any balance | 0.75% | $75 | Dividends paid monthly. Balance limits apply for investment options ($1,000+). Transaction limits may apply. |
IRA Passbook Accounts
0.10%APY
IRA savings account. Dividends compounded daily, credited monthly. Daily balance method. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.10% | $10 | Dividends paid monthly. |
Vacation and Holiday Accounts
0.10%APY
Club accounts. Dividends compounded monthly, credited monthly. Average daily balance method. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid on $50.00 or more balances. For Vacation Club, funds transfer to checking or savings on the first business day in July; for Holiday Club, funds transfer on the first business day in November.$50 and up | 0.10% | $10 | Dividends paid on $50.00 or more balances. For Vacation Club, funds transfer to checking or savings on the first business day in July; for Holiday Club, funds transfer on the first business day in November. |
Sources (4)
All captured Oct 6, 2026
Who can join Universal 1 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 available to individuals who live, work, worship, or attend school in Butler, Clark, Clinton, Darke, Fayette, Franklin, Greene, Guernsey, Highland, Licking, Miami, Montgomery, Pickaway, Pike, Preble, Ross, Shelby, or Warren County.
Employers and groups
- Eligibility is available to individuals who belong to a select Employee Group (SEG) or work with one of U1's company partners.
Family and household
- Eligibility is available to individuals who have a family member with a U1 account.
Cost to join
- At formation in 1937, seven Charter members each contributed $10.
Membership information collected October 5, 2026.