On average, credit unions typically pay higher interest rates as compared
to other financial institutions. At UVCCU, we consistently award members
with some of the highest interest rates you will find among Upper Valley
financial institutions. These are not so-called "specials" commonly
found at other institutions - these are the regular rates offered to members.
So you can rest easy that your hard earned money is always hard at work
for you. You will also appreciate the convenience of saving at UVCCU.
Our accounts offer easy accessibility, with no need for special trips
to the credit union for most transactions. Convenience features include
direct deposit, Internet banking, telephone banking, mail, wire transfers
and withdrawals by check, ATM, and Point-of-Sale terminals at stores and
service stations. Click on the links below for details.
At
UVCCU, savings accounts are also called "share accounts" because
your savings represent your share in the ownership of the credit union.
A minimum deposit of $25 is required to open the account. We encourage
members to make regular deposits to their savings accounts through payroll
deductions, direct deposits, or by making deposits on their own.
The dividend rate paid on savings accounts is set by the Board of Directors and is determined by the credit union's net earnings. On the last day of each month, dividends are paid to all accounts whose balance exceeds $25, based on the daily balance maintained in the account during the month. Quarterly statements are provided.
| Share (Savings)Accounts | ||
|
Minimum Balance Required to
Earn A.P.Y.
|
Rate
|
A.P.Y. Annual Percentage Yield |
|
$25.00
|
.25%
|
.25%
|
Rates and terms listed on this website are for informational and comparative purposes only and are subject to change daily, without notice. Please contact the credit union directly for current rates and terms.
Money Market Accounts generally pay a higher dividend rate than regular savings accounts, yet, unlike CD's, provide the member with the ability to withdraw funds on a limited basis (3 withdrawals per month). Dividend rates are tiered based on the Daily Balance maintained in the account during the month.
| Money Market Accounts | ||
|
Minimum Balance Required to
Earn A.P.Y.
|
Rate
|
A.P.Y. Annual Percentage Yield |
| $2500.00 - $4,999.99 |
.50%
|
.50%
|
|
$5,000.00 - $9,999.99
|
.75%
|
.75%
|
|
$10,000.00 - $24,999.99
|
1.00%
|
1.00%
|
|
$25,000.00+
|
1.50%
|
1.51%
|
Rates and terms listed on this website are for informational and comparative purposes only and are subject to change daily, without notice. Please contact the credit union directly for current rates and terms.
Our Share Certificates let you choose a term from 6 months to 5 years. It's simple and convenient to open a Share CD and the minimum balance to open is only $1,000.00. Penalty required for early withdrawal.
| Share Certificates of Deposit (CD's) | |||
|
Term
|
Minimum Balance Required to
Earn A.P.Y.
|
Rate
|
A.P.Y. Annual Percentage Yield |
|
3 Months
|
$500.00
|
1.25%
|
1.26%
|
|
6 Months
|
$500.00
|
1.75%
|
1.76%
|
|
1 Year
|
$1,000.00
|
2.00%
|
2.02%
|
|
2 year
|
$1,000.00
|
3.00%
|
3.04%
|
|
3 Year
|
$1,000.00
|
3.05%
|
3.09%
|
|
4 Year
|
$1,000.00
|
3.10%
|
3.14%
|
|
5 Year
|
$1,000.00
|
3.15%
|
3.20%
|
Rates and terms listed on this website are for informational and comparative purposes only and are subject to change daily, without notice. Please contact the credit union directly for current rates and terms.
Christmas Clubs, Vacation Clubs, and Tax Clubs are available. It is easy to open a club account. Just stop in any time to sign up for the club account that meets your needs. Funds may be deposited in person, by mail, payroll deduction, or by automatic transfer from a savings account.
| Share Club Accounts | |||
|
Account
|
Minimum Balance Required to
Earn A.P.Y.
|
Rate
|
A.P.Y. Annual Percentage Yield |
| Christmas Club |
None
|
.10%
|
.10%
|
| Vacation Club |
None
|
.10%
|
.10%
|
| Tax Club |
None
|
.10%
|
.10%
|
Rates and terms listed on this website are for informational and comparative purposes only and are subject to change daily, without notice. Please contact the credit union directly for current rates and terms.
Share Retirement Accounts (IRA's)
UVCCU offers two IRA products to meet the varied needs of its members.These investments offer tax advantages and are the best way to guarantee a worry-free retirement. Traditional IRA's, Roth IRA's, and Education IRA's are all available for your convenience. Please consult your accountant or tax professional for the IRA that's right for you.
UVCCU IRA Share Certificates have no annual fees, are for a one year term and offer a greater yield than our IRA Savings accounts and require a slightly higher opening deposit.
UVCCU IRA Savings Accounts have no annual fees and, because they are not tied to specific maturities, they provide the flexibility that other IRA products just can't provide.
| Share Retirement Accounts (IRA's) | |||
| Product |
Minimum Balance Required to
Earn A.P.Y.
|
Rate
|
A.P.Y. Annual Percentage Yield |
| 1 Year IRA CD |
$500.00
|
2.00%
|
2.02%
|
| IRA Savings |
$100.00
|
1.50%
|
1.51%
|
Rates and terms listed on this website are for informational and comparative purposes only and are subject to change daily, without notice. Please contact the credit union directly for current rates and terms.
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199 Heater Road Lebanon, NH 03766 |
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