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: Sunday, October 1st, 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: Sunday, October 1st, 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: Sunday, October 1st, 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.
**APY = Annual Percentage Yield. Rate is fixed for term of certificate but may adjust at maturity. Minimum deposit of $50 and funds may be added up to $25,000 total to the sum of all 1 Year add-on certificates per member per year. Penalties may be imposed for early withdrawal; fees may reduce earnings. Rates are subject to change without notice. The APY is accurate as of July 1, 2023. | ||
| 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 month add on** | 3.00% | 3.05% |
| 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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