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Rates & Fee Schedules

Providing value to our members is a top priority at United Heritage. And to us, offering low rates and high yields is part of that value. Whether you’re looking for low-cost money management options or loan rates, see how much you can save when you make UHCU your financial partner.

Savings & Investments Rates

With a variety of options, our Savings & Investment products help you reach your goals. Higher yield accounts begin at UHCU. 


Effective

  Regular Savings* Special Savings* Student Savings* Holiday Savings* Independence Account** Fixed-Rate
Certificate of Deposit***
Individual Retirement
Account
Individual Retirement
Account Variable Rate
Balance to Earn Dividends $100 – $1,999;
$2,000 and above
$100 – $1,999;
$2,000 and above
N/A N/A $100 – $4,999;
$5,000 – $9,999;
$10,000 and above
Monthly Terms:
3; 6; 12; 18; 24; 36; 48; 60
Fixed-Rate Monthly Terms:
12; 18; 24; 36; 48; 60
N/A
Dividend Rate 0.20%; 0.15% 0.20%; 0.15% 0.25% 0.25% 0.50%; 0.75%; 1.00% 0.40%; 0.95%; 1.20%; 1.30%;
1.54%; 1.84%; 2.03%; 2.33%
1.20%; 1.30%; 1.54%;
1.84%; 2.03%; 2.33%
.35%
Annual Percentage Yield 0.20%; 0.15% 0.20%; 0.15% 0.25% 0.25% 0.50%; 0.75%; 1.00% 0.40%; 0.95%; 1.20%; 
1.30%; 1.55%; 1.85; 2.05%; 2.35%
1.20%; 1.30%; 1.55%;
1.85%; 2.05%; 2.35%
.35%
Minimum to Open $1 $1 $1 $5 $100 $1,000 $1,000 N/A
Minimum Balance $1 N/A N/A N/A $100 $1,000 $1,000 N/A

*Dividend rates are compounded quarterly.
**Dividend rates are compounded monthly. 30-month investment term.
***Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs and Individual Retirement 

Membership/Regular Savings account required for all Savings accounts, CDs and IRAs.
Dividend rates and annual percentage yields are determined by the Board of Directors and are subject to change at any time.
Accounts (IRAs) are compounded quarterly.
Fees may reduce earnings.
See Fee Schedule for applicable fees if balance drops below minimum.
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