Utility District Credit Union Savings & Money Market Rates

How Utility District Credit Union’s savings rates compare

Compared with banks and credit unions near San Francisco, CA, where Utility District Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Utility District Credit Union
0.05%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$5
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$450
Nuvision Credit Union rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

Compare savings rates near you →

Savings score

Higher than 3% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.05%
$100,000 balance$100,0000.05%
QualifiedQualified0.05%

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.

How the score works →

Where Utility District 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 Account

0.05%APY$2,500 to open

Dividends paid monthly. Minimum opening balance must be maintained for the entire term. Early closure fees may reduce earnings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 and upDividends paid monthly. Minimum opening balance must be maintained for the entire term.$2,500 and up	0.05%	$5	Dividends paid monthly. Minimum opening balance must be maintained for the entire term.

Sources (2)

All captured Sep 16, 2026

Share Savings Account

0.05%APY$25 to open

Open a Primary Savings Account with a minimum deposit of $25.00 (shareholder deposit, returned upon account closure). $5.00 monthly service fee applies to accounts with a combined balance of less than $100.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceAccounts with a combined balance of less than $100.00 incur a $5.00 monthly service fee.Any balance	0.05%	$5	Accounts with a combined balance of less than $100.00 incur a $5.00 monthly service fee.

Sources (1)

udcu.org/accounts/share-savings-account · captured Sep 16, 2026

Special-purpose accounts

Traditional IRA

Up to 0.35%APY · 2 termsIRA

Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 monthsTerm: 18 Months. Please check with our UDCU staff for current rates, website rates may not be updated on a daily basis!	0.20%	$30
30 monthsTerm: 30 Months. Please check with our UDCU staff for current rates, website rates may not be updated on a daily basis!	0.35%	$88

Sources (1)