Usc rates: up to 6.00% APY
credit union · NCUA CHARTER 68459 · www.usccreditunion.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Balance, Dividend Rate, and APY for Smart Yield Savings | Non-qualifying balances | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Smart Yield Savings | $1 – $9,999 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Smart Yield Savings | $10,000 – $49,999 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Smart Yield Savings | $50,000 – $99,999 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Smart Yield Savings | $100,000+ | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $100 minimum | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $25-$99.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | More than $99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| SmartStart Savings | $0.01 – $1,000 | 6.00% | APY | 2026-11-01 | since 2026-11-01 | |
| SmartStart Savings | $1,000.01 and above | 1.50% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Term, Dividend Rate, and APY for Share Certificates | 3 Months | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 6 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 12 Month Certificate | $1,000 minimum · 1 year | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 12 Months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 24 Month Certificate | $1,000 minimum · 2 years | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 24 Months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 36 Month Certificate | $1,000 minimum · 3 years | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 36 Months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 48 Month Certificate | $1,000 minimum · 4 years | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 48 Months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 60 Month Certificate | $1,000 minimum · 5 years | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Term, Dividend Rate, and APY for Share Certificates | 60 Months | 4.35% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Balance, Dividend Rate, and APY for Money Market Accounts | $0-$2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Money Market Accounts | $2,500-$9,999 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Money Market Accounts | $10,000-$49,999 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Money Market Accounts | $50,000-$99,999 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Money Market Accounts | $100,000+ | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $0-$9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $10,000 to $24,999 | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $25,000 to $49,999 | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $50,000 to $99,999 | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $100,000 to $249,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $250,000 to $499,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $500,000 to $999,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Balance, Dividend Rate, and APY for Value+ Money Market Accounts | $1 million and over | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Dividend and APY rates for PremiumSpend checking accounts | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.usccreditunion.org/savings-and-certificates/smart-yield-savings/ | 2026-11-02 00:53 UTC | ok | db00c91e8ace |
| www.usccreditunion.org/rates/ | 2026-11-02 00:53 UTC | ok | 83aa292dd48a |
| www.usccreditunion.org/savings-and-certificates/share-certificates/ | 2026-11-02 00:53 UTC | ok | bdece9971939 |