Credit union · NCUA insured
University Federal Credit Union Savings Rates
University Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Savings Accounts. Rates checked October 22, 2026.
How University Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where University Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University Federal Credit Union
0.80%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $80
Savings Accounts
Top rate
American State Bank
2.02%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $202
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
University Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.80%
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 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.
Savings Accounts
0.80%APY
Initial $25.00 deposit makes you a member/owner entitled to quarterly savings dividend tiered based on the amount of money in the account. Declared Dividends for Third Quarter 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Declared Dividends for Third Quarter 2026. | 0.70% | — | Declared Dividends for Third Quarter 2026. |
| $2,500 – $9,999Declared Dividends for Third Quarter 2026. | 0.75% | — | Declared Dividends for Third Quarter 2026. |
| $10,000 and upDeclared Dividends for Third Quarter 2026. | 0.80% | $80 | Declared Dividends for Third Quarter 2026. |
Sources (2)
All captured Oct 4, 2026
Who can join University Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff of the University of North Dakota are eligible for membership.
- Students of the University of North Dakota are eligible for membership.
Cost to join
- Establish membership with a $25 deposit.
Membership information collected October 4, 2026.