Credit union · NCUA insured
Utilities Employees Credit Union Savings Rates
Top CarrotUtilities Employees Credit Union’s best savings rate is 1.15% APY on $10,000, with its Advantages Money Market Savings. Rates checked October 16, 2026.
How Utilities Employees Credit Union’s savings rates compare
Compared with banks and credit unions near Reading, PA, where Utilities Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utilities Employees Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver
Top rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Ephrata National Bank
3.39%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $339
Utilities Employees Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0001.15%
- $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 Utilities Employees 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.
Advantages Money Market Savings
1.15%APY
Minimum daily balance of $2,500 required to avoid $10.00 monthly service fee (assessed if balance falls below $2,500 on one or more days in a statement cycle). Dividends compounded and credited monthly. The dividend rate used for the entire balance is the dividend rate of the highest tier that corresponds to the balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 1.10% | — | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
| $10,000 – $50,000Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 1.15% | $115 | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
| $50,000 – $100,000Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 1.25% | — | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
| $100,000 – $250,000Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 1.50% | — | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
| $250,000 – $500,000Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 1.80% | — | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
| $500,000 and upMinimum daily balance of $2,500 required to avoid $10.00 monthly fee. | 2.10% | — | Minimum daily balance of $2,500 required to avoid $10.00 monthly fee. |
Sources (3)
- uecu.org/depositrates
- uecu.org/money-market-savings
- uecu.org/wp-content/uploads/20…9/Deposit-Rate-Sheet.pdf
All captured Oct 16, 2026
Kasasa Saver
Up to 2.00%APY
When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances in your Kasasa Saver account earn the qualifying dividend rate that corresponds to the daily balance. When qualifications are not met, daily balances earn the nonqualifying dividend rate. If closed during cycle, dividends accrued at nonqualifying rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances up to $50,000. | 2.00% | $200 | Qualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances up to $50,000. |
| Any balanceQualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances over $50,000. | 0.50% | $50 | Qualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances over $50,000. |
| Any balanceNonqualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are not met during a Monthly Qualification Cycle. | 0.05% | $5 | Nonqualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are not met during a Monthly Qualification Cycle. |
Sources (1)
- uecu.org/depositrates · captured Oct 16, 2026
Share Savings Account
0.45%APY
Foundation for membership; all member-owners required to have a Share Savings Account. Can be individual or joint ownership. Can be used as collateral on a loan.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.45% | $45 |
Special Goal Savings Account
0.45%APY
Sub-account under member number to organize and reach specific goals. Unlimited sub-accounts can be opened. Earns same rate as Share Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.45% | $45 |
Special-purpose accounts
Coverdell Education Savings Account
1.15%APY
Coverdell Education Savings Account (ESA) for higher education costs of a child. Funded by after-tax contributions up to $2,000 per year per child under age 18 (income limits apply). Tax-free withdrawals for qualified education expenses prior to beneficiary reaching age 30.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.10% | — |
| $10,000 – $50,000 | 1.15% | $115 |
| $50,000 – $100,000 | 1.25% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $499,999 | 1.80% | — |
| $500,000 and up | 2.10% | — |
IRA Savings Account (Traditional / Roth)
1.15%APY
Traditional and Roth IRA savings options. No account opening or maintenance fees. Tax advantages apply based on IRA type.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.10% | — |
| $10,000 – $50,000 | 1.15% | $115 |
| $50,000 – $100,000 | 1.25% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $499,999 | 1.80% | — |
| $500,000 and up | 2.10% | — |
Health Savings Account
0.45%APY
Fully tax-deductible contributions, tax-deferred earnings, tax-free and penalty-free qualified distributions. Order checks or use free HSA Visa Debit Card. NCUA insured up to $250,000 collectively for all savings products excluding IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.45% | $45 |
Who can join Utilities Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Pennsylvania can join UECU through the Pennsylvania Consumer Council (PACC).
Employers and groups
- Employees and retirees of UECU's Partner Companies are eligible for membership.
Family and household
- Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are eligible to join.
Cost to join
- Membership in UECU is free with no cost to join.
Membership information collected October 5, 2026.