Credit union · NCUA insured
University Credit Union Savings Rates
Top CarrotUniversity Credit Union’s best savings rate is 2.75% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How University Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where University Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University Credit Union
2.75%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $275
High Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
University Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.25%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.75%
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 University 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 Plus
0.05%APY
Requires a minimum opening deposit of $1,000. Minimum balance of $25. Variable-rate account; rates vary by balance tier and apply to the entire account balance. To earn advertised relationship dividend rate and APY, members must maintain an active UCU checking account under the same member number and receive qualifying deposits totaling at least $1,000 each calendar month (direct deposit, ACH, Zelle, Venmo, PayPal, cash/check deposit, incoming wire; internal transfers, chargebacks, and promotional incentives do not qualify). If checking requirements are not met, default rate is paid (0.05% APY). Dividends calculated daily, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Default dividend rate / base tier if checking account or $1,000 qualifying monthly deposit requirement is not met, or for balances under $25,000. | 0.05% | $5 | Default dividend rate / base tier if checking account or $1,000 qualifying monthly deposit requirement is not met, or for balances under $25,000. |
| $25,000 – $49,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. | 2.70% | — | Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. |
| $50,000 – $99,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. | 2.90% | — | Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. |
| $100,000 – $249,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. | 3.20% | — | Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. |
| $250,000 and upRequires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. | 3.45% | — | Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. |
Sources (2)
All captured Oct 6, 2026
High Yield Savings
2.75%APY
Only available for new money deposited to UCU (money not currently or previously held in a UCU account). A $5 minimum balance is required to maintain membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,5000% APY for balance less than $2,500.00. | 0.00% | — | 0% APY for balance less than $2,500.00. |
| $2,500 and upTiered rate account; requires $2,500 minimum balance to earn APY. Variable rate subject to change after opening. | 2.75% | $275 | Tiered rate account; requires $2,500 minimum balance to earn APY. Variable rate subject to change after opening. |
Sources (1)
- ucu.org/resources/rates/savings-rates · captured Sep 24, 2026
Money Market Advantage
1.25%APY
Uses a reverse-tier rate structure paying highest rates on lower balances. Does not require a checking account or direct deposit. Minimum balance of $25. Minimum opening deposit is $25 (per p89 footnote 2; p49 mentions $100). Variable-rate account; once the account balance qualifies for a tier, the corresponding dividend rate and APY apply to the entire account balance. Dividends calculated daily, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Rate applies to entire account balance once qualified. | 2.25% | — | Rate applies to entire account balance once qualified. |
| $2,000 – $5,000Rate applies to entire account balance once qualified. | 1.75% | — | Rate applies to entire account balance once qualified. |
| $5,000 – $10,000Rate applies to entire account balance once qualified. | 1.25% | $125 | Rate applies to entire account balance once qualified. |
| $10,000 – $50,000Rate applies to entire account balance once qualified. | 0.50% | — | Rate applies to entire account balance once qualified. |
| $50,000 – $100,000Rate applies to entire account balance once qualified. | 0.45% | — | Rate applies to entire account balance once qualified. |
| Over $100,000Rate applies to entire account balance once qualified. | 0.15% | — | Rate applies to entire account balance once qualified. |
Sources (2)
All captured Oct 6, 2026
Money Market
1.15%APY
Low minimum balance requirements to start earning dividends; minimum balance to earn dividends is $2,500. Unlimited in-person withdrawals and up to 6 electronic withdrawals per cycle. Minimum balance to open an account is $5 per Truth in Savings disclosures.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 1.15% | — |
| $10,000 – $24,999 | 1.15% | $115 |
| $25,000 – $99,999 | 1.15% | — |
| $100,000 and up | 1.35% | — |
Sources (3)
- ucu.org/banking/savings/money-market
- ucu.org/resources/helpful-info…h-in-savings-disclosures
- ucu.org/resources/rates/money-market-rates
All captured Oct 6, 2026
Regular Savings
0.15%APY
A $5 minimum balance is required to maintain membership / open account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividend / APY is $25.$25 and up | 0.15% | $15 | Minimum balance to earn dividend / APY is $25. |
Who can join University Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.