A place to prepare for tomorrow

The dividend rate for the high-yield savings account is not fixed and may fluctuate over time. We review market rates each week to evaluate the overall interest rate environment. We also look at rates being offered by other financial institutions. These factors may lead to UNFCU changing the rate for its high-yield savings. If you are looking to lock in a dividend rate for a period of time, consider UNFCU's share certificates. 

The limit keeps down costs which allows us to offer higher dividends on savings accounts compared to checking accounts. If you need an account with unlimited monthly transfers at no charge, use a checking account.

No, ATM withdrawals are not subject to the excessive transaction fee.

If you do not have enough money in your checking account to cover a payment, Savings Overdraft can protect you. This service will automatically transfer money from your savings account to cover the payment from your checking account. It will even cover payments you had pre-scheduled for your UNFCU consumer loan and/or mortgage. You will be charged a fee each time money is transferred to cover an overdraft. 

To avoid this fee, increase the balance of your checking account to cover all your expenses for the month. You can also apply for a line of credit as another form of overdraft protection.

If you have both a savings and checking account, your debit card purchases will be linked to your checking account. 

Some ATMs will give you the option to choose whether to take the money from your checking or savings account. If the ATM does not allow you to choose, the money will be withdrawn from your checking account.