ACCOUNTS:

Regular Shares (savings):
The regular share account is the opportunity for you to save. All that we require for you to have a regular share account
is a balance of $50. With this account you can have that savings you have always wanted.

Share Draft (checking):
Our Share Draft account service is free if you obtain a monthly balance of at least $100, a $5 service fee is applied
otherwise. We offer checks and ATM/Debit cards to our Share Draft holders. * A regular Share Account is required to
hold a Share Draft Account

Christmas account:
These handy accounts can be started at any time throughout the year, but for the best results, consider opening a new
account right after the holidays. You can add money each week, each month or whenever you have some spare cash.
Christmas Accounts are paid out early November and keep in mind that these accounts are only allowed one withdraw a
year.


INVESTMENT ACCOUNTS

Money Market Account:
Our Money Market Account is a savings account that offers a competitive rate of interest (real rate) in exchange for
larger than normal deposits. *$1000 minimum account balance required.

Share Certificates (Certificate of Deposit):
Enjoy competitive fixed rates with our Share Certificates. Certificates earn dividends at higher rates than share savings
accounts and money market accounts, but require you to lock in your money for a predetermined maturity period. We
offer terms as low as 3 months and as long as 36 months. The minimum deposit is $1,000. Dividends are paid at
maturity. Watch your savings grow for the future with a guaranteed rate.


*As with all deposits at UCFCU your funds are federally insured up to $100,000 by the NCUA, an agency of the
Federal Government.
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