Credit union · NCUA insured
University Credit Union Savings Rates
Top CarrotUniversity Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How University Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, ME, where University Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Lighthouse Credit Union
3.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
University Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified2.00%
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.
Kasasa Saver
Up to 2.00%APY
Linked Kasasa Cash or Kasasa Cash Back checking account required. Automatic transfers of Kasasa checking rewards. No recurring monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifications met in linked Kasasa checking account during monthly qualification cycle. | 2.00% | $200 | Qualifications met in linked Kasasa checking account during monthly qualification cycle. |
| Any balanceAll balances if qualifications not met in linked Kasasa checking account during monthly qualification cycle. | 0.05% | $5 | All balances if qualifications not met in linked Kasasa checking account during monthly qualification cycle. |
Money Market
1.50%APY
Maximum of three withdrawals per month; dividends calculated by Average Daily Balance method; minimum opening deposit and balance for APY of $5,000.00 stated in Truth-in-Savings disclosures.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 0.05% | — |
| $5,000 and up | 1.50% | $150 |
Sources (2)
All captured Oct 15, 2026
Emergency Savings Account
0.35%APY
Funding only allowed through automatic transfers from direct deposits. No minimum opening deposit required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.20% | — |
| $501 – $2,500 | 0.25% | — |
| $2,501 – $10,000 | 0.35% | $35 |
| $10,001 and up | 0.40% | — |
Sources (3)
All captured Oct 15, 2026
Super Share Account
0.20%APY
Earn a higher rate of interest with a $2,000 minimum balance. Maximum of three withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 0.05% | — |
| $2,000 and up | 0.20% | $20 |
Sources (3)
All captured Oct 15, 2026
Prime Share Savings
0.05%APY
Membership account. No monthly maintenance fees. No membership fee.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $5 and upIndividual membership. · $5 to open | 0.05% | $5 | $5 | Individual membership. |
| $10 and upJoint membership. · $10 to open | 0.05% | $10 | $5 | Joint membership. |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
Preferred Money Market, IRA & Coverdell ESA
1.50%APY
Maximum of 3 withdrawals per month for PMM; rate paid on entire balance; IRA dividend withdrawal not allowed until age 59 1/2; no minimum opening deposit or required minimum balance for APY stated in disclosure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 0.05% | — |
| $5,000 – $24,999 | 1.50% | $150 |
| $25,000 – $49,999 | 1.75% | — |
| $50,000 – $99,999 | 2.00% | — |
| $100,000 – $249,999 | 3.00% | — |
| $250,000 – $499,999 | 3.25% | — |
| $500,000 and up | 3.75% | — |
Sources (3)
All captured Oct 15, 2026
Individual Retirement Account (IRA) Savings
1.50%APY
Tax-deferred or tax-free savings. Includes Traditional, Roth, and Coverdell IRAs. No monthly maintenance fees. Dividend withdrawal not allowed until age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 0.05% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $5,000 – $24,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 1.50% | $150 | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $25,000 – $49,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 1.75% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $50,000 – $99,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 2.00% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $100,000 – $249,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 3.00% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $250,000 – $499,999Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 3.25% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
| $500,000 and upRate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. | 3.75% | — | Rate paid on entire balance. Dividend withdrawal not allowed until age 59 1/2. |
Sources (3)
All captured Oct 15, 2026
Health Savings Account
0.35%APY
Must have a high deductible health plan (HDHP) to qualify. No minimum opening deposit required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.20% | — |
| $501 – $2,500 | 0.25% | — |
| $2,501 – $10,000 | 0.35% | $35 |
| $10,001 and up | 0.40% | — |
Sources (3)
All captured Oct 15, 2026
Club Accounts
0.25%APY
Save for whatever you wish separate from primary savings and checking. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Oct 15, 2026
Holiday Club Account
0.25%APY
Account balance automatically transfers to designated accounts in October for the holiday season. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance automatically transfers to savings or designated account in October.Any balance | 0.25% | $25 | Balance automatically transfers to savings or designated account in October. |
Sources (3)
All captured Oct 15, 2026
Monty Moose
0.05%APY
Youth membership savings account for members age 12 or younger. No monthly maintenance fees. No membership fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (5)
- ucumaine.com/wp-content/upload…UCU-Truth-In-Savings.pdf
- ucumaine.com/montymoose
- ucumaine.com/youth
- ucumaine.com/rates
- ucumaine.com/savings
All captured Oct 15, 2026
Teen Share Savings
0.05%APY
Teen membership savings account. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
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
- Individuals who live in, worship in, attend school in, or work in the rural district of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington counties, as well as businesses and other legal entities within the rural district boundaries, are eligible for membership.
Employers and groups
- Members of the Maine Consumer Council, a chapter of the American Consumer Council, are eligible for membership.
- Employees of University Credit Union are eligible for membership.
Military, government and schools
- Employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute, and employees of other units located on the campuses are eligible for membership.
Family and household
- Spouses of individuals who died while within the credit union's field of membership, as well as immediate family members (spouse, child, sibling, parent, grandparent, grandchild including step/adoptive) and persons living in the same residence maintaining a single economic unit of eligible individuals, are eligible for membership.
Membership information collected October 4, 2026.