Credit union · NCUA insured
Universal Federal Credit Union Savings Rates
Universal Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Share / Special Savings Account. Rates checked October 22, 2026.
How Universal Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Universal Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Universal Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Share / Special Savings Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Universal Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 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 Share / Special Savings Account
0.05%APY
Dividends compounded and credited quarterly. Minimum balance to earn APY is $100.00. Five cash withdrawals allowed per month, then $5.00 excessive withdrawal fee per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Minimum balance of $100.00 to earn APY. Dividends compounded and credited quarterly. | 0.05% | — | Minimum balance of $100.00 to earn APY. Dividends compounded and credited quarterly. |
| $5,000 and upOver $5,000. Dividends compounded and credited quarterly. | 0.05% | $5 | Over $5,000. Dividends compounded and credited quarterly. |
Special-purpose accounts
IRA Share Saving Account
0.50%APY
Dividends compounded and credited quarterly. Minimum balance of $100.00 to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Minimum balance of $100.00 to earn APY.$100 and up | 0.50% | $50 | Dividends compounded and credited quarterly. Minimum balance of $100.00 to earn APY. |
Christmas Club Savings Account
0.05%APY
Plan Period 11/01 thru 10/31 each year. Deposits allowed any time during plan period. Deposit to Share Draft Account if open, otherwise transferred to Prime Share unless otherwise instructed. Minimum balance of $100.00 to earn APY. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 to earn APY. Dividends compounded and credited quarterly.$100 and up | 0.05% | $5 | Minimum balance of $100.00 to earn APY. Dividends compounded and credited quarterly. |
Sources (1)
- universalfcu.com/s/TIS0112231-hfft.pdf · captured Oct 4, 2026
Club Ed Share Saving Account
0.05%APY
Ages 0-17. $0.00 minimum balance to earn APY. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0.00 minimum balance to earn APY. Dividends compounded and credited quarterly.Any balance | 0.05% | $5 | $0.00 minimum balance to earn APY. Dividends compounded and credited quarterly. |
Sources (1)
- universalfcu.com/s/TIS0112231-hfft.pdf · captured Oct 4, 2026
Who can join Universal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, goes to school, worships, volunteers, or belongs to an association in Cabell County or Wayne County in West Virginia, or Lawrence County in Ohio is eligible for membership.
Military, government and schools
- School employees in Mason and Lincoln Counties in West Virginia are eligible for membership.
Membership information collected October 4, 2026.