Credit union · NCUA insured
University Credit Union Savings Rates
University Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Checking Accounts (MMAs). Rates checked October 15, 2026.
How University Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where University Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University Credit Union
0.25%APY
- Requires
- None
- Earns on $10,000 a year
- $25
Money Market Checking Accounts (MMAs)
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
University Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.25%
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 Checking Accounts (MMAs)
0.25%APY
Minimum account balance of $2,000. $500 withdrawal minimum per transaction. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.10% | — |
| $2,000 – $40,000 | 0.25% | $25 |
| $40,000 and up | 0.30% | — |
Sources (2)
All captured Sep 18, 2026
Shares
0.10%APY
Establishes credit union membership; minimum balance of $5.00 required at all times.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Accumulation
0.50%APY
Quarterly rate changes; convenience of payroll deduction; no fees or charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.50% | $50 |
Sources (2)
All captured Sep 18, 2026
Holiday Club
0.10%APY
Funds transferred to savings or checking account on the last business day in October. Early withdrawal fees apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.10%APY
Fixed-period savings account structured to help save for vacations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Who can join University 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 working or living in Miami-Dade County is eligible for membership.
Employers and groups
- Membership in Florida Consumer Council qualifies for eligibility.
- Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties is eligible for membership.
- UHealth staff and their immediate families are eligible for membership.
Military, government and schools
- Florida International University faculty, staff, students, alumni and their immediate families are eligible for membership.
- St. Thomas University faculty, staff, students, alumni and their immediate families are eligible for membership.
1 more way to join
Military, government and schools
- University of Miami faculty, staff, students, alumni and their immediate families are eligible for membership.
Cost to join
- An initial deposit into the new account is required using a credit or debit card.
Membership information collected October 5, 2026.