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Shares

Choose from multiple share savings account options and see why at Union Square, members are more like family.

Choose from multiple share savings account options and see why at Union Square, members are more like family.

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Current rates

Shares / Regular & IRA Rates

Rates effective as of January 14, 2023

Account Type Dividend Rate APY
Shares 0.10% 0.10%
IRA Shares 0.10% 0.10%

Annual Percentage Yield (APY) and dividend rates may change at any time as determined by Union Square Credit Union Board of Directors.

Minimum balance requirements:  $25.00

Transaction limitations: None

Compounding and crediting: Dividends are compounded and credited to accounts monthly.

Dividend period: The dividend period for an HSA checking account is monthly. The beginning of each dividend period is the first day of the month (e.g., January 1, February 1, etc.) and the final day of each dividend period is the last day of the month (e.g., January 31, February 28, etc.). The dividend declaration date follows the ending date of a dividend period (e.g., January 31, February 28, etc.) 

Accounts that are closed before the date that dividends are to be paid cannot receive accrued dividends. 

Daily balance computation method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on non-cash deposits: Dividends begin to accrue on the same business day non-cash items (e.g., checks) are deposited to an account.