No More Nickel-and-Diming
At UFCU, we believe your money should work for you. Our competitive rates and low fees allow you to make the most of every dollar.†
Checking Rates
| Account Type |
Balance |
Rate |
APY |
| Free |
Any |
0.000% |
0.00% |
Effective Date: August 23, 2024
Plus Checking
| Account Type | Balance | Rate | APY |
|---|
| Plus (without bonus) | $0 to $10,000 | 0.010% | 0.01% |
|---|
| Plus (with bonus*) | $0 to $10,000 | 2.227% | 2.25% |
|---|
| Plus | $10,000 and more | 0.010% | 0.01% |
|---|
Effective Date: October 1, 2024. Fees could reduce earnings on account.
* Complete at least 20 eligible card transactions (debit or credit card) a month to earn a bonus dividend. Certain restrictions apply‡.
Teen Checking
| Account Type |
Balance |
Rate |
APY |
| Teen |
$500 and more |
0.000% |
0.00% |
| Teen |
Less than $500 |
0.499% |
0.50% |
Effective Date: October 1, 2021
Savings Rates
| Account Type | Balance | Rate | APY |
|---|
| Savings | $100 and more | 0.010% | 0.01% |
|---|
| Teen & Kidz | $1 and more | 0.250% | 0.25% |
|---|
Effective Date: January 2, 2024
Money Market Rates
| Money Market Tier |
Rate |
APY Range |
APY Range
(with bonus dividend) |
| $0 to $10,000 |
0.010% |
0.01% |
0.01% |
| $0 to $10,000 w/ Bonus Dividend1 |
0.060% |
0.06% |
0.06% |
| $10,000 to $49,999.99 |
0.150% |
0.01-0.12% |
0.06–0.13% |
| $50,000 to $99,999.99 |
0.499% |
0.12-0.31% |
0.13-0.32% |
| $100,000 to $499,999.99 |
0.995% |
0.31-0.86% |
0.32-0.86% |
| $500,000 to $999,999.99 |
2.472% |
0.86-1.68% |
0.86-1.68% |
| $1,000,000 and Greater |
3.203% |
1.68-3.25% |
1.68-3.25% |
Effective Date: August 23, 2024 (terms subject to change)
1 Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier.
IRA & Certificate Rates
Fixed-Rate Certificate
| Term | Rate | APY |
|---|
| 3 Month | 3.928% | 4.00% |
|---|
| 6 Month | 3.928% | 4.00% |
|---|
| 12 Month | 3.928% | 4.00% |
|---|
| 18 Month | 3.928% | 4.00% |
|---|
| 24 Month | 3.928% | 4.00% |
|---|
| 24 Month Step-Up | 3.784% | 3.85% |
|---|
| 36 Month | 3.928% | 4.00% |
|---|
| 48 Month | 3.445% | 3.50% |
|---|
| 60 Month | 3.203% | 3.25% |
|---|
Effective Date: August 23, 2024
Fixed-Rate IRA
| Term | Rate | APY |
|---|
| 6 Month | 3.928% | 4.00% |
|---|
| 12 Month | 3.928% | 4.00% |
|---|
| 24 Month | 3.928% | 4.00% |
|---|
| 24 Month Step-Up | 3.784% | 3.85% |
|---|
| 36 Month | 3.928% | 4.00% |
|---|
| 48 Month | 3.445% | 3.50% |
|---|
| 60 Month | 3.203% | 3.25% |
|---|
Effective Date: August 23, 2024
Variable-Rate Early Saver Certificate
| Term | Rate | APY |
|---|
| 12 Month–up to $20,000 | 3.928% | 4.00% |
|---|
| 12 Month–over $20,000 | 0.250% | 0.25% |
|---|
Effective Date: April 5, 2024
Variable-Rate IRA
| Term | Rate | APY |
| Variable | 0.010% | 0.01% |
Effective Date: October 1, 2021
Credit Card Rates
Great Rate VISA®
| Your Credit | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| Annual Percentage Rate (APR) | 9.49% | 11.49% | 13.49% | 16.49% | 17.90% | 17.90% |
| Your Credit | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| Annual Percentage Rate (APR) | 13.90% | 14.90% | 15.90% | 16.90% | 17.90% | 17.90% |
| Your Credit | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| Annual Percentage Rate (APR) | 14.90% | 15.90% | 16.90% | 17.49% | 17.90% | 17.90% |
Auto & Personal Loan Rates
Auto and Auto Second Chance Loan Rates
| Annual Percentage Rate (APR) based on your credit |
|---|
Term
(Months) | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| 1 to 48 | 5.99% | 6.49% | 7.24% | 9.14% | 14.40% | 17.00% |
| 49 to 66 | 6.64% | 7.14% | 7.89% | 9.64% | 14.85% | 17.45% |
| 67 plus | 7.04%
| 7.54% | 8.54% | 10.64% | 16.30% | 17.90% |
These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.
Term restrictions may apply.
Other Secured (including Boat, RV, Motorcycle)
| Annual Percentage Rate (APR) based on your credit |
|---|
Term
(Months) | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| 1 to 36 | 8.30% | 8.70% | 10.20% | 11.70% | 16.25% | 17.50% |
| 37 to 75 | 8.50% | 9.15% | 10.65% | 12.15% | 16.70% | 17.90% |
| 76 plus | 10.40% | 10.60% | 12.10% | 14.10% | 17.90% | 17.90% |
Rate discounts do not apply to current UFCU loans.
These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.
Term restrictions may apply.
Share Secured Loan
3% over the stated dividend rate of the instrument securing the loan.
Signature Loan
| Annual Percentage Rate (APR) based on your credit |
|---|
Term
(Months) | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| Up to 60 | 11.90% | 13.90% | 15.90% | 16.90% | 17.90% | 17.90% |
Monthly payment per $1,000 borrowed: $22.70.
Minimum loan amounts may apply.
Personal Line-of-Credit
| Annual Percentage Rate (APR) based on your credit |
|---|
| Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| 11.90% | 13.90% | 15.90% | 16.90% | 17.90% | 17.90% |
Certificate Secured Loan
3% over the stated dividend rate of the instrument securing the loan.
Credit Builder Loan
| Term (Months) | Amount Borrowed | APR |
|---|
| 6 to 24 | $500 - $2500 | 3.00% |
UT Golf Club Membership Loans
4% over the current stated secured loan rate based on term and score.
Fee Schedule
| Account Fees |
Plus Checking
(Waived if combined month end balances are $10,000 or more, or monthly qualifying electronic deposits are $4,000 or more) |
$10.00 (per month) |
| Par Value of Share |
$1.00 |
| Debit Card/ATM Fees |
| ATM Transaction (non-UFCU/non-Austin or Galveston Alliance ATMs) |
$1.00 |
| Debit Card/ATM Courtesy Pay Item |
$35.00 |
| Replacement Card |
$5.00 |
| Sales Draft Copy |
$25.00 |
| International Transaction Fee |
1% of each transaction amount (in US Dollars) |
| UFCU Deposit Card |
$2.00 (per card) |
| Personal Credit Card Fees |
| Late Fee |
$25.00 (not to exceed minimum payment) |
| Payment Returned NSF |
$20.00 |
| Statement Copy |
$2.00 (per statement) |
| Stop Payment |
$20.00 |
| International Transaction Fee |
1% of each transaction amount (in US Dollars) |
| Card Express Fee |
$15.00 |
| Cash Advance Fee |
1% of each advance, or $5 (whichever is greater) |
| Loan Fees |
| Consumer Loan Late Fee |
25% of interest due ($5 min) |
| Mortgage Loan Late Fee |
5% of principal & interest due |
| Skip A Pay |
$25.00 |
| Safe Deposit Box Fees |
| Drilling |
$175.00 |
| Emergency Drilling |
Call for Quote |
| Emergency Drill No Show |
$85.00 |
| Lost Key |
$10.00 (per key) |
| 3 x 5 x 22 |
$15.00 (per year) |
| 3 x 10 x 22 |
$30.00 (per year) |
| 5 x 5 x 22 † |
$25.00 (per year) |
| 5 x 10 x 22 |
$50.00 (per year) |
| 10 x 10 x 22 |
$75.00 (per year) |
| 15 x 10 x 22 |
$115.00 (per year) |
| 15 x 15 x 22 |
$165.00 (per year) |
| 31.5 x 15 x 22 |
$350.00 (per year) |
| Miscellaneous Fees |
Account Closing
(savings within 90 days of open date) |
$5.00 |
| Account Research/Reconciliation |
$15.00 (per hour, 1 hr min) |
| Bad Address |
$5.00 (per quarter) |
| Cashier’s Check |
$2.00 |
| Cashier's Check (non-member) |
$5.00 |
| Charge Back Item |
$30.00 |
| Check Collection |
$10.00 |
| Check Copy |
$2.00 |
| Collection - Outgoing Item |
$10.00 |
| Courtesy Pay Item |
$35.00 |
| Deposited Item Returned |
$5.00 |
| Escheat |
$10.00 |
| Fax - Domestic Outgoing |
$2.00 (per page) |
| Fax - International Outgoing |
$5.00 (per page) |
| History Printout |
$2.00 (per month) |
| Inactive Account |
$5.00 (per month starting 12 months after inactivity) |
| International Draft |
$20.00 |
| International Stop Payment/Collection |
$30.00 |
Legal Process
(i.e. IRS levies, garnishments, etc.) |
$50.00 (min or actual cost) |
| Loose Coin Exchange (excluding Kidz & Teen Accounts) |
5% (over $100) |
| Money Market excessive withdrawals |
First 6 are free (per month, $25.00 for each additional withdrawal) |
| Money Order |
$1.00 |
| Payment Convenience |
$10.00 |
| Rolled Coin |
$.10 (per roll) |
| Shared Branch Return |
$15.00 |
| Statement Copy |
$4.00 (per statement) |
| Stop Payment |
$30.00 |
| Strapped Currency |
$.35 (per strap) |
| Temporary Checks |
$.50 (each) |
| Verification of Deposit |
$5.00 |
| Wire - Outgoing Domestic |
$20.00 |
| Zipper Bag |
$3.00 |
| Free Services |
| ATM PIN Replacement |
| ATM Point of Sale Transaction |
| ATM transactions at UFCU Owned machines and Austin and Galveston Alliance ATMs |
| Bill Pay |
| Debit Card/ATM Account Overdraft Transfer (savings, checking, money market, and line-of-credit) |
| Online Banking |
| Letter of Guarantee |
| Loan Amortization Schedule |
| Loan Application |
| Non Sufficient Funds |
| Notary Public Service |
| Phone Banking |
| Signature Guarantee |
| US Savings Bond EE/E Redemption |
| Debit Card Instant Issue |
| Debit Card PIN Replacement |
| Debit Card Point of Sale Transaction |
| Wire - Incoming Domestic/International |
Fees subject to change
Fees could reduce earnings on account.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
† UFCU complies with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Deposits at UFCU are federally insured by the National Credit Union Administration. Please be aware that rates are subject to change without notice. Dividends are based on UFCU's earnings and cannot be guaranteed. We may impose a penalty for early withdrawal of certificate of deposits.
‡ APY = Annual Percentage Yield. Bonus Dividends on Plus Checking. As of October 1, 2024, a Bonus Dividend of 2.25% APY will be paid on balances up to $10,000 in a Plus Checking share. Balances more than $10,000 will earn dividends at the current available rate. Rate is variable and subject to change after account is open. Fees could reduce earnings.
Dividends are credited monthly. To receive this benefit, the following qualifications apply:
- Have at least twenty (20) eligible card transactions a month – the 20 eligible transactions can be a combination of debit card transactions on the Plus Checking share and credit card transactions on the same account in which the Plus Checking share resides. The eligible transactions must fully post within the month (i.e. pending transactions that have not fully posted are not counted).
- Eligible card transactions include purchases or spend transactions (exclude transactions such as cash withdrawals, transfers, cash advances or balance transfers).
- There must be a balance greater than the par value of one share to earn Bonus Dividends on a Plus Checking Share.
See full Plus Checking Terms & Conditions (PDF).
** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. UFCU has contracted with CFS to make non-deposit investment products and services available to credit union members.