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 TypeAnnual 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 ofDividend RateAnnual 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 CertificateDividend RateAnnual 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%

 

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