US Federal Credit Union
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Savings

Your Share Savings account is your ticket to becoming a member-owner of US Federal, but we offer other ways to save, too. And with the National Credit Union Administration (NCUA) insuring your USFCU deposits to at least $250,000 you can rest assured your funds are safe and sound.

FEATURES

Savings accounts earn dividends and are compounded and paid quarterly

Share Savings -

  • Required for membership; withdrawn with closing of account
  • $5 minimum balance

Preferred Savings -

  • $1 minimum balance
  • Higher return than Share Savings

Christmas Savings -

  • Great for holiday saving
  • $1 minimum balance
  • Withdraw at any time; funds transfer to Share Savings first week of November

Relationship Rewards -

  • $25,000 minimum to open; $10,000 initial deposit of new money
  • Tiered dividends
  • Available with active checking account
  • Bonuses on future USFCU relationships

WINcentiveTM Savings -


Money Market accounts earn dividends and are compounded and paid monthly

  • No service charges
  • Tiered dividends
  • Direct deposit available
  • Unlimited withdrawals and deposits in person (up to 3 per month electronically)
  • Free Money Market Savings Checks (up to 3 per month)

Certificates and IRAs earn dividends and are compounded quarterly or upon maturity (depending on the length of the certificate) and are automatically renewed. IRA options offer tax-free transfers, tax-deferred interest.Visit our IRA Service Center for additional information on IRAs.

Daily Savings IRA -

  • no minimum

Certificates

  • $500 or $1,000 minimum
  • 90 day - 60 month terms (IRA: 12-60 terms only)

MAX Certificates

  • $1,000 minimum
  • 90 day - 60 month terms
  • Adjust your rate at any one time during the duration of the investment
  • Not available for IRAs

Jumbo Certificates

  • $90,000 minimum ($50,000 for IRA Certificates)
  • 12 - 60 month terms

Laddered Certificates

  • $1,000 minimum per certificate
  • Divided among 5 certificates with staggered maturities
  • Long term earning potential paired with flexibility
  • Automatically renews into 5 year certificates
     

Laddered Certificate - APY=Annual Percentage Yield. Minimum opening deposit of $1,000 per certificate; funds do not need to be equally distributed across product. Chart is for illustration purposes only and is based on example opening deposits and APYs as of 9/23/2015. Actual earnings will vary based on rate changes and withdrawal of interest or principle. A penalty may be imposed for early withdrawal. Existing USFCU certificates may be transferred without penalty to laddered product only.

RESOURCES

 

next steps

Open Account
 
  • give us a call:
    (952) 736-5000 or 1 800 345-2733
     
  • email us
     

current rates

SAVINGS

  • Share Savings - 0.10%APY 
     
  • Preferred Savings - 0.15%APY 

     

MONEY MARKET

  • Tier I: $0 to $2,499.99 - 0.05%APY
     
  • Tier V: $100,000+ - 0.45%APY

     

CERTIFICATES + IRAs

  • 12 month Certificate - 0.70%APY
     
  • 12 month IRA - 0.70%APY

     

*See complete rate listings and disclosures
 

 

US FEDERAL CREDIT UNION | 1400 Riverwood Drive, Burnsville MN 55337 | 1 800-345-2733 | (952) 736-5000 | All Content © 2012 | privacy & disclosures
Federally Insured by NCUA EHL