Savings Rates
Savings Accounts
| Tier Balance | APY¹ |
|---|---|
| $100 - $4,999 | 0.001% |
| $5,000 - $9,999 | 0.005% |
| $10,000 - $9,999,999.98 | 0.025% |
| $9,999,999.99+ | 0.035% |
1: Annual Percentage Yield (APY). Rates current as of 4/1/2023. Dividend rates and APYs are variable and may change at any time. Dividends are declared by the Board of Directors and paid quarterly based on credit union earnings.
Certificate of Deposit
| Term | Minimum Deposit Amount | APY² |
|---|---|---|
| 6 Month | $1,000 | 2.25% |
| 12 Month | $1,000 | 2.25% |
| 18 Month | $1,000 | 2.018% |
| 24 Month | $1,000 | 2.018% |
| 36 Month | $1,000 | 2.018% |
| 48 Month | $1,000 | 2.018% |
| 60 Month | $1,000 | 2.018% |
2: Annual Percentage Yield (APY). Rates current as of 2/1/2024. Rates are subject to change without notice until the certificate is opened. APY assumes dividends remain on deposit until maturity; withdrawals will reduce earnings. An early withdrawal penalty may apply. Fees may reduce earnings.
Money Market Account
| Tier Balance | APY³ |
|---|---|
| $1,500 - $4,999 | 0.001% |
| $5,000 - $39,999 | 0.10% |
| $40,000+ | 0.50% |
3: APY=Annual Percentage Yield. Rates current as of 5/1/2023. All rates are subject to change at any time. A monthly fee of $10.00 will be charged if the account balance drops below $2,500.00 anytime during the month. Fees may reduce earnings.
Smart saving starts with the right fit. Whether you're building an emergency fund, growing your savings with a Money Market account, or locking in a great rate with a Certificate of Deposit, 1st University Credit Union offers options for every saver. With competitive rates, federally insured deposits, and support from a team that knows you, we're here to help you save with confidence. Based in Waco, we proudly serve the Central Texas community, including McLennan, Erath, and Bosque counties.
Helping You Do Life — one saving habit at a time.