Share Savings

Earn dividends on deposits with the account that give you part ownership in UMCU.

Money Market

Earn dividends on deposits as long as you have a balance of at least $2,000.


You'll earn exceptional returns whether you choose to invest for 6 months or 5 years.


Save for your golden years while taking advantage of a wide range of potential tax advantages.

Holiday Savings

Regular deposits plus dividend payments will help you afford a little extra during the holiday season.


  Share Savings Holiday Savings Money Market Savings Certificate Accounts IRAs
Maturity n/a n/a n/a End of term End of term
Min. Deposit (initial) $5 $0 $0 $500 $500
Dividend Paid (frequency) Monthly Monthly Monthly Monthly Monthly
Minimum Balance to earn interest None None $2,000 $500 $500
Transfer/Withdrawal Access Online, in-person, over the phone, email, or ATM Mobile, online, over the phone, email, or in-person Mobile, online, in-person, over the phone, email or ATM In-person or over the phone In-person or over the phone.

IRS penalties and taxes may apply


If you're preparing for retirement or saving for your next big purchase, a Certificate could help you earn more from your money. 

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