Checking Accounts
Classic Checking
Our free Classic Checking Account features no minimum balance requirements, no monthly service charges and no per-check fees. Plus, you’ll enjoy unlimited check-writing privileges and the convenience of our ATM Card, MasterMoney® Check Card and optional Overdraft Protection.
Preferred Checking
With Preferred Checking, you earn interest on balances of $1,000 or more. Other features
include no per-check fees, unlimited check writing privileges and the benefits of our ATM Card, MasterMoney Check Card and optional Courtesy Pay Overdraft Protection.
Silver VIP Checking (Members 55 and older)
The free Silver VIP Checking Account includes no minimum balance requirements, no monthly or per-check fees, unlimited check-writing privileges, as well as the convenience of our ATM Card, MasterMoney Check Card and optional Overdraft Protection. Additional benefits include: free Traveler’s Cheques, free Notary Service and free Cashier’s Checks.
Second Chance Checking*
Our Second Chance Checking Account can help you establish a successful banking relationship regardless of past credit problems. Instead of paying payday lenders or check-cashing companies an average of 400% interest (the industry average), you pay just $10 per month for unlimited check writing. After 12 months of successfully managing your Second Chance Checking Account, you can request that your status be reviewed and switched over to a regular checking account. That can save you even more money, and open the door to a variety of other credit union services and benefits.
*Individuals with a record of fraud on the Chex System report and those who have caused a loss at UCCU are not eligible. Direct Deposit of your paycheck is required if offered by your employer. Maximum holds as allowed by law will be placed on all checks (other than verifiable payroll checks or other guaranteed fund checks). Debit/ATM Card and Courtesy Pay do not apply. Other terms and conditions will be disclosed at the time you open the account.
Re-Order Checks
Running low on checks? Re-ordering could never be easier! Re-order today!
Switch Kit
You come first at UCCU. That’s why we have taken the hassle out of moving your checking account(s) to UCCU. With our simple Switch Kit, making the move is easier than ever before.
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Savings Accounts
Regular Share (Savings) Account
Every member of United Consumers is an owner just by opening a basic Savings Account. Because of this, the regular Savings Account commonly is called a Share Account. Regular savings are the cornerstone of sound financial management. The credit union offers tiered accounts that earn quarterly dividends, based on your average daily balance.
Money Market Accounts
A Money Market account is an alternative to a regular Savings Account for those who would like to earn a higher rate of interest but still maintain immediate access to their funds. You can open a Classic Money Market Account with just $2,500, and you will earn a fixed-rate of interest. A Preferred Money Market Account requires a minimum investment of $10,000 and pays a tiered rate of interest...the higher your balance, the more you earn. You can make up to three check withdrawals per month with either account.
Individual Retirement Accounts
Save for retirement with an IRA option from United Consumers Credit Union. Contribute gradually through regular deposits or automatic transfers, and you’ll be spending your golden years without worrying about market fluctuations or drops in interest rates. Contact the credit union to start planning your retirement savings today.
Christmas Club Account
Save gradually and painlessly throughout the year for next season’s holiday shopping. Just $5 opens your account and you can increase the balance through Payroll Deduction or regular deposits. In addition to your deposits, this account earns dividends based on your daily account balance. Then, on or near Nov. 1, the entire amount in your account will be transferred to either your savings or checking account.
Vacation Club Account
A United Consumers Vacation Club Account is geared to help members save for that much-needed get-away. This account earns dividends based on your average daily balance.
Youth Club Accounts
United Consumers takes a strong interest in financial education for today’s youth. That’s why we offer two clubs designed to teach strong savings principles for a lifetime of healthy finances. Our Kirby Kangaroo® Club account is designed for children age 12 and under, while our New Attitudes Club is designed for those age 13-18.
Silver VIP Club Account
This club is designed specifically for members age 55 and wiser. Benefits include free checks, along with the same great service you’ve come to expect from United Consumers.
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CDs
A United Consumers CD is a great alternative to the volatile stock market. Invest as little as $500 for terms from six to 60 months. Dividends can be added to your certificate, paid out to you by check each month or deposited to the share account of your choice.
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Debit Cards
The MasterMoney® Check Card offers the convenience of a debit card and ATM card all in one! Use your MasterMoney Check Card just like a regular ATM card to perform ATM transactions all over the world. Your card is valid at more than 800,000 ATMs worldwide that display the Cirrus, NYCE, STAR, Pulse, Plus and Shazam logos. In addition, you have access to an additional 31,900 surcharge-free ATMs through the CO-OP and Alliance One networks. For more information on where you can find a surcharge-free ATM near you, visit these links:
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