1 Must meet eligibility requirements. Certain restrictions apply.

2 Subject to Online Banking agreement and terms and conditions (opens in a new window).

3 $100 minimum balance to accrue dividends. Dividends are calculated by the daily balance method, are based on UFCU's earnings at the end of a dividend period, and cannot be guaranteed. APY as of January 2, 2024. Fees could reduce earnings.

4 $1 minimum balance to accrue dividends. Dividends are calculated by the daily balance method, are based on UFCU's earnings at the end of a dividend period, and cannot be guaranteed. APY as of January 2, 2024. Fees could reduce earnings.

5 A penalty will or may be imposed for early withdrawal.

6 Dividends are calculated by the daily balance method. Dividends are based on UFCU's earnings at the end of a dividend period, and cannot be guaranteed. APY as of August 23, 2024. Fees could reduce earnings.

7 UFCU does not provide tax or legal advice. For such guidance, please consult a qualified tax and/or legal advisor.

8 IRS penalties apply

9 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.

10 Fee Waived Requirements. Your $10 monthly service fee will be waived if your combined month-end balances are $10,000 or more, or if your monthly qualifying electronic deposits are $4,000 or more. A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has been posted to your account and is made through the Automated Clearing House (ACH) network. Transfers from one account to another, mobile deposits, instant payments processed through the RTP^® network (real-time payment system) or FedNow^® Service, an electronic credit from a third-party service that facilitates payments to your debit card using the Visa^® or Mastercard^® network, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.