We offer a variety of savings options to fit your individual financial goals.
Savings Products
Whether you're building an emergency fund, saving for the holidays, teaching kids good habits, or planning for retirement—UARK has a savings option for every goal.
Basic Savings
When you open your Share Account, you gain more than an interest-bearing savings account—you become a part owner of UARK FCU.
- Only $5 minimum balance required
- Accessible funds when you need them
- Great for emergencies or special purchases
- Competitive dividends compounded and paid monthly
- Membership access to all credit union benefits
- Divdend rate .05% APY .05%
Special Savings
Save with purpose using our Summer Saver and Christmas Club accounts—perfect for vacations, holidays, and seasonal expenses.
- Higher dividend rate than Basic Savings
- Summer Saver withdrawals June 1 – August 31
- Christmas Club withdrawals October 1 – December 24
- No penalty transfers during eligible periods
- Ideal for planned expenses and yearly goals
- Christmas club Dividend rate .50%* APY .50%*
- Summer Saver Dividend rate .10%* APY .10%*
Super Share Account
Earn more while keeping access to your money. Designed for members who maintain higher balances and want better returns.
- $20,000 average daily balance or more
- Higher dividends than standard savings
- Maintain liquidity and easy access to funds
- Smart option for larger savings balances
- Dividend rate .10%* APY .10%*
Penny Savers’ Club (Ages 0–12)
It’s never too early to teach smart money habits. Our Penny Savers’ Club makes saving fun and rewarding for kids.
- Earn one wooden penny for every $5 deposited in person
- Spend wooden pennies at Penny’s Store
- Encourages saving through rewards
- Special contests and giveaways for members
- Build financial literacy from an early age
- Dividend rate .05% APY .05%
Contact us today today to get started!
IRA Savings
Retirement starts with the steps you take today. We make it easy to work toward your future with flexible IRA options.
- Traditional IRA available
- Roth IRA available
- Invest in IRA Savings
- Invest in IRA Share Certificates
- Simple, secure retirement planning
- Dividend rate .25% APY .25%
Contact us today today to get started!
Already a member and want to add an additional account? Click below to get started!
Open AccountDividends paid monthly on share accounts, based on the average daily balance. Interest rates and terms quoted are subject to change without notice and are effective as of November 21, 2022. Fees may reduce earnings on account.
Super Share balances less than $20,000 will earn Regular Share interest rate.
*Christmas Club max deposit $1500 to earn higher dividend, amount over earns regular share rate.
Premier Checking is no longer available to open as of June 2019.