Savings

Looking for the ideal credit union savings account? UPSEFCU offers multiple savings accounts tailored to your various savings goals. From getting started to saving for big purchases, our savings solutions provide the flexibility you want.

Share Savings

Membership begins when you open a UPSEFCU share savings account. Create a solid foundation through this account, and then gain access to all of our valuable products and services designed to improve your financial health.

  • Open with a $50 deposit (plus a one-time $5 membership fee) 

  • Earn dividends on balances of $200 or more

  • Dividends are paid monthly and calculated on the average daily balance 

  • No monthly service fee

Youth Savings

A well-rounded education includes understanding how to use money responsibly. Teach your youth the importance of saving money by opening this account. As your kids' savings grow steadily, they will learn to appreciate the value of money. 

  • Funds can be transferred to a regular share savings account when the child turns 18

  • Ideal for teaching your youth the importance of making smart financial decisions

Checking

Our simple, convenient checking account gives you 24/7 access to your funds with our UPSEFCU Visa® debit card. Open an account that is flexible and secure to your spending financial needs. Set up a direct deposit with your payroll company to access your funds the day of payday. Easily track your spending through our Online Banking and Mobile App. 

  • No minimum balance requirement 

  • Use direct deposit to simplify your finances and avoid a $4 share draft monthly fee

  • Easily access your account statements when you sign up for e-Statements from your computer, smartphone, or tablet 

Share Certificates

Share Certificates allow you to build a bigger savings fund. By using a certificate to secure your funds, you will obtain guaranteed earnings for accessibility to you upon maturity. Let your savings soar by locking up the funds in our share certificate terms starting at 6 months to 5 years.  

  • Open with a $500 minimum deposit 

  • Competitive rate fixed for the term of the share certificate

  • Choose from various terms to match your savings timeline 

  • Early withdrawal penalties apply

Christmas Club Accounts

'Tis the season to always save for the holidays. With our holiday savings account, you create a goal and save towards it throughout the year. Once the holidays arrive, you'll have funds established to pay for gifts, food, and everything that makes your holidays merry and bright. 

  • Deposit money into this account throughout the year 

  • Competitive rates mean steady growth for your Christmas account

  • Payments automatically disburse into your checking or share savings account on November 1

  • Reduce the “Christmas Blues” shock from January's credit card bills

  • Early withdrawal penalties apply

Vacation Club Accounts

Have a special trip in mind? Start planning today with a vacation savings account that allows you to save money throughout the year leading up to your trip. When it's time to go, you'll have peace of mind knowing you've planned for your trip's expenses without taking on a large debt load. 

  • Deposit money into this account throughout the year 

  • Competitive rates mean steady growth for your vacation account

  • Payments automatically disburse into your checking or share savings account on July 1

  • Reduce the “Vacation Debt” and allow yourself to truly enjoy your vacation

  • Early withdrawal penalties apply