Savings Accounts
Building a savings account is the heart of a healthy financial future!
Regular Share Savings Account
Our basic savings account required for membership, great place to start your savings plan.
Money Max Savings Account
A tiered savings account perfect for when you have more to save.
| Feature | Regular Share Savings | Money Max Savings Account | Share Certificates |
|---|---|---|---|
| Annual Percentage Yield (APY) | Earns .05% | View Rates | View Rates |
| Who Should Open | All Members: Required for OUCU membership | Perfect for savers with higher balances | Savers who want guaranteed returns and won't need the money right away. |
| Monthly Service Fee | None | None | None |
| Minimum Balance | $5 maintains your membership | None | $500 |
| Dividends | Compounded & credited quarterly | Compounded & credited monthly | Compounded and credited quarterly. |
| Minimum to Open | $5 - your "share" in the credit union | None | $500 |
| Automatic Transfers | $1 each to cover non-sufficient funds in your checking account | $1 each to cover non-sufficient funds in your checking account | No |
| Withdrawal/Transfer Limits | Unlimited |
Unlimited | Yes |
Special Savings Accounts
Saving for something special? Start here!
Christmas Club, Vacation Club & Special Share Savings
- Same basic features as the Regular Share Savings
- Automatic deposits make it easy, transfer online
- Open your account in online banking during business hours
- Rename your Special Share savings in online banking for whatever you’re saving for.
In online banking, hover over the magnifying glass next to the account you want to rename, select modify nickname. Name it "Wedding Savings" or whatever you choose!
Your Funds are Federally Insured
Your savings and certificates are insured up to $500,000. The first $250,000 is federally insured by the National Credit Union Administration (NCUA). Your next $250,000 is insured by Excess Share Insurance, the nation's largest private deposit insurer.
Fees could reduce earnings.
