Savings Account
Step one to create a savings plan, pay yourself first!
Get started with savings goals
Share Certificates
With Share Certificates, you can customize the terms of your investment, keeping your money out of reach for anywhere from 6 to 84 months.
Term Deposit accounts typically earn a higher interest rate than other accounts, and dividends are paid monthly.
Money Market Accounts
QCU’s Money Market Deposit Account offers several benefits!
- Earn a higher yield than a Share Savings Account
- You may withdraw funds without penalty
- Dividends are earned and paid monthly
You must maintain a minimum daily balance of $2,500.
Club Accounts
Rolling account opening and automatic disbursement into your account make saving a no-brainer!
- Auto deducted from your paycheck or Direct deposit ensures weekly savings without the hassle
- See how quickly your savings adds up
Deposit Rates
| Description | Interest Rate | Annual Percentage Yield | Minimum Daily Balance to Earn APY | Minimum Amount to Open Account | |
|---|---|---|---|---|---|
| Primary Share Savings Account | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Club Accounts | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Special Share Accounts | 0.10% | 0.10% | $15.00 | $5.00 | Open Account |
| Real Estate Escrow | 0.10% | 0.10% | $15.00 | $0.00 | |
| IRA Share Account | 0.20% | 0.20% | $15.00 | $250.00 | |
| Business Advantage Share Savings | 0.10% | 0.10% | $100.00 | $100.00 | |
| Business Advantage Checking | 0.00% | 0.00% | $0.00 | $0.00 | |
| Business Advantage Plus Checking | 0.05% | 0.05% | $10,000.00 | $5.00 | |
| NOW Checking Accounts | 0.05% | 0.05% | $15.00 | $5.00 | |
| Totally Free Checking | 0.00% | 0.00% | N/A | $0.00 | Open Account |
| Student Advantage Totally Free Checking | 0.00% | 0.00% | N/A | $0.00 | Open Account |
Money Market Rates
| Description | Interest Rate | Annual Percentage Yield | Minimum Balance to open and earn APY | |
|---|---|---|---|---|
| Tier 1 $2,500 - $24,999.99 | 0.50% | 0.50% | $2,500.00 | Open Account |
| Tier 2 $25,000 - $49,999.99 | 1.00% | 1.00% | $25,000.00 | |
| Tier 3 $50,000 - $99,999.99 | 1.24% | 1.25% | $50,000.00 | |
| Tier 4 $100,000 and over | 1.49% | 1.50% | $100,000.00 |
Certificate Rates
| Description | Rate | Annual Percentage Yield | Minimum Daily Balance to Earn APY | Minimum Amount to Open Account | |
|---|---|---|---|---|---|
| 6 months | 2.96% | 3.00% | $2,500.00 | $2,500.00 | Open Account |
| 12 months | 4.17% | 4.25% | $1,000.00 | $1,000.00 | |
| 24 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 36 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 48 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 60 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 | |
| 72 months | 2.71% | 2.75% | $1,000.00 | $1,000.00 |
Featured Rates
Money Markets up to
1.50%
*
Share Certificates up to
2.75%
*
Share Savings
0.10%
*
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Invest in your financial future
Start saving money today. Your future self will thank you.
Get tips, facts, and ideas about how you can get out of debt and save money to build yourself a comfortable emergency savings as you interact with our online Building Emergency Savings module in our financial education website.