Last Updated: 04/18/2025
OneUnited FCU High Yield Savings Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.01% - 0.45%(Verified 08/08/2024)
Minimum Opening Deposit
$2,500
Minimum Balance to Earn APY
$0
OneUnited FCU High Yield Savings Account Review
OneUnited FCU High Yield Savings Account is offered by OneUnited Federal Credit Union, a credit union founded in 1949 and based in Columbus, NE. OneUnited FCU High Yield Savings Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. OneUnited FCU High Yield Savings Account has an annual percentage yield of up to 0.45%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Large minimum initial deposit. You need a minimum deposit of $2,500.00 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. OneUnited FCU High Yield Savings Account does not charge fees on ATM transactions .
OneUnited FCU High Yield Savings Account Pros & Cons
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OneUnited FCU High Yield Savings Account FAQ
Are savings accounts from OneUnited Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does OneUnited Federal Credit Union offer a signup bonus?
OneUnited FCU High Yield Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for OneUnited FCU High Yield Savings Account?
The minimum deposit to open a OneUnited FCU High Yield Savings Account is $2,500.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $2,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does OneUnited FCU High Yield Savings Account offer?
OneUnited FCU High Yield Savings Account offers a variable APY starting at 0.01% and ranging up to 0.45% (APY stands for annual percentage yield, rates may change).
What fees does OneUnited FCU High Yield Savings Account charge?
OneUnited FCU High Yield Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $25.00 fee.
- Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $30.00 fee per item.
Does OneUnited FCU High Yield Savings Account charge overdraft fees?
Yes, OneUnited FCU High Yield Savings Account charges a $30.00 overdraft fee. OneUnited FCU High Yield Savings Account offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does OneUnited FCU High Yield Savings Account offer?
This savings account includes the following features:
- Mobile Banking Services - OneUnited FCU High Yield Savings Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to OneUnited FCU High Yield Savings Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM