Credit union · NCUA insured
UTFCU Savings Rates
UTFCU’s best savings rate is 2.27% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How UTFCU’s savings rates compare
Compared with banks and credit unions near Toledo, OH, where UTFCU has the most branches. $10,000, best rate first.
This credit union’s best
UTFCU
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
Money Market Account
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
UTFCU savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.27%
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 UTFCU 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 Account
Up to 2.27%APY
Minimum balance to earn dividends is $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 2.02% | $202 |
| $10,000 – $50,000 | 2.27% | $227 |
| $50,000 – $100,000 | 2.43% | — |
| $100,000 and up | 2.53% | — |
Regular Savings
0.05%APY
Two free withdrawals per month, $0.75 for additional withdrawals; all withdrawals free for checking account members. $5.00 minimum cash withdrawal, $500.00 cash withdrawal limit per day. Members forfeit dividends if closing account before accrued dividends are credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid 06/30/2026.Any balance | 0.05% | $5 | Paid 06/30/2026. |
Special-purpose accounts
Individual Retirement Accounts
0.10%APY
Members forfeit dividends if closing account before accrued dividends are credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid 06/30/2026. $10.00 annual fee applies to balances under $500.Any balance | 0.10% | $10 | Paid 06/30/2026. $10.00 annual fee applies to balances under $500. |
Who can join UTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the University of Toledo Alumni Association can join the credit union (non-alumni may join the Alumni Association to qualify).
Military, government and schools
- Faculty, staff, physicians, residents, and students of the University of Toledo are eligible to join the credit union.
Family and household
- Direct family members (mom, dad, brother, sister, son, and daughter) of an existing UTFCU member are eligible to join.
Cost to join
- A minimum of $5.00 Membership Share deposit is required for UTFCU membership.
Membership information collected October 5, 2026.