Home > Everyday Banking > Grow Your Savings With Ease
Transform your future
We all know saving can be hard, that’s why U1 Savings accounts come without a monthly service fee. All you need is $5 to start saving for special events, vacations or an emergency fund. As your account grows over time, you can start to earn dividends that help you reach some of your bigger goals, like buying a car or a bucket-list trip!
If you’re looking for other ways to save and earn more, check out our Money Market accounts and Certificates below.
Start Saving
Simple Savings
Our primary Savings helps you reach your goals faster. Plus, you automatically become a member upon opening a Savings account.
- Earn dividends with $300 or more in your account
- $0 Monthly Fee
- $5 Minimum balance
- ATM Card
NEW MEMBER - APPLY
EXISTING MEMBER - APPLY
Money Market
Are you a savvy saver? Are you looking to earn more from your Savings account? The more you save, the more you earn from our tiered rates!
- 6 Dividend Rates
- Tier 1: $2,000.01 - $10,000
- Tier 2: $10,000.01 - $25,000
- Tier 3: $25,000.01 - $50,000
- Tier 4: $50,000.01 - $100,000
- Tier 5: $100,000.01 - $250,000
- Tier 6: $250,000.01+
NEW MEMBER - APPLY
EXISTING MEMBER - APPLY
Wanting a more secure and stable way to save? Certificates are ideal for funds you don’t need right away. You’ll earn a guaranteed rate for the term of your certificate.
- 6-60 month terms
- Short-term: 6-12 months
- Mid-term: 12-24 months
- Long-term: 30-60 months
NEW MEMBER - APPLY
EXISTING MEMBER - APPLY
Savings Rates
Savings Accounts
Effective Date: Wednesday, July 9th, 2025
| Type | Min. Balance | Rate | APY |
| Tier 1 |
$5.00 |
- |
- |
| Tier 2 |
$300.00 |
0.05% |
0.05% |
| Tier 3 |
$10,000.01 |
0.10% |
0.10% |
| Tier 4 |
$50,000.01 |
0.15% |
0.15% |
| Vacation & Holiday |
$50.00 |
0.10% |
0.10% |
Money Market Rates
Money Market
| Type | Min. Balance | Rate | APY |
| Tier 1 |
$2,000.00 |
2.00% |
2.02% |
| Tier 2 |
$10,000.01 |
2.10% |
2.12% |
| Tier 3 |
$25,000.01 |
2.20% |
2.22% |
| Tier 4 |
$50,000.01 |
2.30% |
2.32% |
| Tier 5 |
$100,000.01 |
2.40% |
2.43% |
| Tier 6 |
$250,000.01 |
2.50% |
2.53% |
APY = Annual Percentage Yield
Money Market - Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings. |
Certificate Rates
Certificates
| Term | Min. Balance | Rate | APY |
| 6 Months |
$1,000.00 |
3.80% |
3.87% |
| 7 Months |
$1,000.00 |
3.80% |
3.87% |
| 12 Month Money Saver |
$25.00 |
1.60% |
1.61% |
| 12 Months |
$500.00 |
3.80% |
3.87% |
| 13 Months |
$1,000.00 |
3.80% |
3.87% |
| 18 Months |
$1,000.00 |
3.80% |
3.87% |
| 24 Months |
$1,000.00 |
3.80% |
3.87% |
| 30 Months |
$1,000.00 |
3.82% |
3.89% |
| 36 Months |
$1,000.00 |
3.84% |
3.91% |
| 48 Months |
$1,000.00 |
3.86% |
3.93% |
| 60 Months |
$1,000.00 |
3.88% |
3.95% |
| HSA 3 Month Certificate |
$1,000.00 |
1.00% |
1.00% |
APY = Annual Percentage Yield
Certificates - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. |
Need help choosing a Savings account? Our dedicated member services team is here to help! Send us a chat message, schedule an appointment, email or give us a call.
SCHEDULE AN APPOINTMENT
memberservices@u1cu.org | 800-762-9555 opt. 0
APY = Annual Percentage Yield. Tiers 1-4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid monthly. Early withdrawals of Certificates are subject to substantial dividend penalties.
Go to main navigation
