Savings Rates

Savings Accounts¹

Rates current as of 4/1/2023

  
  Tier Balance
    APY**
  
  $100 - $4,999
    0.001%
  
  $5,000 - $9,999
    0.005%
  
  $10,000 - $9,999,999.98
    0.025%
  
  $9,999,999.99+
    0.035%

Certificate of Deposit²

Rates current as of 2/1/2024

  
  Term
    Minimum Deposit Amount
    Dividend Rate
    APY**
  

     6 Month
    $1,000
    2.25%
    2.25%
  
12 Month
  $1,000
    2.25%
    2.25%
  
18 Month
  $1,000
    2.00%
    2.018%
  

  24 Month
    $1,000
    2.00%
    2.018%
  

  36 Month
    $1,000
    2.00%
    2.018%
  

  48 Month
    $1,000
    2.00%
    2.018%
  

  60 Month
    $1,000
    2.00%
    2.018%
  

Money Market Account⁴

Rates current as of 5/1/2023

  
  Tier Balance
    APY**
  
  $1,500 - $4,999
    0.001%
  
  $5,000 - $39,999
    0.10%
  
  $40,000+
    0.50%

All rates are subject to change without notice.
1: Rates are anticipated and declared by the Board of Directors. Rates are paid quarterly based on earnings.
2: Actual certificate rate and APY will be based on the dividend rate in effect on the date of the deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield (APY) assumes monthly compounding. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published dividend rates and annual percentage yields (APY) are subject to change daily. Fees may reduce earnings.
3: New money required (money that is not currently on deposit with 1st University Credit Union).
4: A monthly fee of $10.00 will be charged if the account balance drops below $2,500.00 anytime during the month. Fees may reduce earnings.

Truth-In-Savings

Smart saving starts with the right fit. Whether you're building an emergency fund, growing your savings with a Money Market account, or locking in a great rate with a Certificate of Deposit, 1st University Credit Union offers options for every saver. With competitive rates, federally insured deposits, and support from a team that knows you, we're here to help you save with confidence. Based in Waco, we proudly serve the Central Texas community, including McLennan, Erath, and Bosque counties.

Helping You Do Life — one saving habit at a time.