United Bay Community Credit Union strives to bring our members the best savings and loan rates possible.
Published rates are subject to change at any time without prior notice. Fees, if any, may reduce earnings. Other terms and conditions may apply.
Savings Account, Club Rates and Money Manager Account - Average daily balance is used to determine Savings rates tiers.
| Savings Accounts | ||
| Effective Date: Wednesday, June 7th, 2023 | ||
| Average Daily balance is used to determine savings/share rate tiers. | ||
| Account Type | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) |
| Special Savings Account Dividends are compounded daily and credited monthly. |
0.02% | 0.02% |
| Lucky 13 Club Account Dividends are compounded daily and paid monthly. |
0.70% | 0.70% |
Christmas Club Dividends are compounded daily and credited monthly. |
0.02% | 0.02% |
Youth Savings Account Dividends are compounded daily and credited monthly. |
0.02% | 0.02% |
IRA Savings Account Dividends are compounded daily and credited monthly. |
0.02% | 0.02% |
| Money Manager Accounts (MMA) | ||
| Effective Date: Wednesday, June 7th, 2023 | ||
| Dividends are compounded daily and paid monthly. | ||
| Minimum Balance of | Dividend Rate | Annual Percentage Yield (APY) |
| Less than 1,000 | 0.02% | 0.02% |
| $1,000 | 0.05% | 0.05% |
| $10,000 | 0.10% | 0.10% |
| $25,000 | 0.25% | 0.25% |
| $50,000 | 0.35% | 0.35% |
| $100,000 | 0.60% | 0.60% |
| $250,000 | 1.20% | 1.21% |
| Term Savings Certificate & IRA Savings Certificates | ||
| Effective Date: Wednesday, June 7th, 2023 | ||
All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required; a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly..
*APY = Annual Percentage Yield. Minimum of $500 new deposit from another financial institution required to earn stated APY. Renews to a 12 month certificate at maturity. Penalty for early withdrawal. Limited time offer for all time periods. | ||
| Length of Certificate | Dividend Rate | Annual Percentage Yield (APY) |
13 months $500 Minimum new Deposit* |
4.25% | 4.34% |
| 3 months | 0.14% | 0.14% |
| 6 months | 0.23% | 0.23% |
| Youth 6 months A minimum deposit of $25.00 is required. |
0.99% | 1.00% |
| 12 months | 0.41% | 0.41% |
| 18 months | 0.46% | 0.46% |
| 24 months | 0.50% | 0.50% |
| 30 months | 0.60% | 0.60% |
| 36 months | 0.65% | 0.65% |
| 48 months | 0.85% | 0.85% |
| 60 months | 1.00% | 1.01% |
Go to main navigation