SAVINGS

University & Community Federal Credit Union of Stillwater, OK provides competitive dividend rates and a low opening balance requirement on regular savings accounts to members in the surrounding areas.

  • $5.00 opening balance required (remains in the account for the lifetime of the membership)
  • Up to four FREE withdrawals per month ($1.00 is charged for each additional withdrawal)
  • Competitive dividend rates paid
  • Dividends:

  • Variable dividend rate used to calculate dividends
  • Calculated on an average daily method
  • Credited to the account balance at the end of the last business day of the quarterly period, provided account is still open
  • Compounded quarterly
  • Shown on the quarterly statement
  • None will be paid on any day the account balance is below $100

  • Rate and APY disclosed for a rate inquiry will be the rate paid the previous declaration date
  • Tiered levels of dividends are paid based on the following deposit amounts:

  • $100.00-$10,000.00
  • $10,000.01-$20,000.00
  • $20,000.01-above

  • Can serve as overdraft protection for a member’s checking account ($5.00 fee applies)
  • Dividends paid quarterly on daily balances of $100 or more
  • Incurs an inactive charge of $5.00 per month if the account is not used within 12 months until the funds in the account are depleted and the account is closed

Star Savers Account

University & Community Federal Credit Union of Stillwater, OK provides a savings account for minors under the age of 18.

  • Competitive dividend rates
  • No monthly service charges
  • Low minimum balance of $5.00
  • Dividends paid quarterly on balances of $100 or more
  • Up to four free withdrawals per month
  • No inactivity fees charged
  • Quarterly statements issued

Additional Savings

  • Each additional account has a minimum balance requirement of $0.01
  • Up to 5 additional savings accounts are available

Member has the option to select the description of the additional savings account

Christmas Club Savings

This is a special savings account that allows you to save for the holidays year round. The balance in the account will be transferred to your checking account in October for your Christmas spending needs. We no longer open new Christmas Club Savings accounts.

  • Competitive dividend rates paid
  • Dividends:

  • Variable dividend rate used to calculate dividends
  • Calculated on an average daily method
  • Credited to the account balance at the end of the last business day of the quarterly period, provided account is still open
  • Compounded quarterly
  • Shown on the quarterly statement
  • None will be paid on any day the account balance is below $100

  • Rate and APY disclosed for a rate inquiry will be the rate paid the previous declaration date
  • Tiered levels of dividends are paid based on the following deposit amounts:

  • $100.00-$10,000.00
  • $10,000.01-$20,000.00
  • $20,000.01-above