Certificates
Confidence in Locked-In Rates
Never wonder what you’ll earn.
With known rates, certificates1 can be an excellent addition to your toolbox for safeguarding your future savings. It takes just a minimum of $1,000 to open a certificate, and they’re easy to open online. Choose from 3- to 60-month terms.
Select from fixed or variable returns and watch your savings grow.
Excellent Returns and Flexible Terms
Certificates are worth the wait! They can provide our highest dividends, which are calculated daily and are compounded and paid monthly, subject to conditions. You must have a Savings account to purchase a certificate.
You can choose terms as short as three months or up to 60 months. Ask about our Step Up Certificate, a 24-month certificate that allows you to capture a future rate increase on a one-time basis during your certificate term — and increase your original principal amount at the same time.
To encourage investment in the next generation, we offer the Early Saver Certificate for Members aged 17 and under who have a Kidz or Teen Savings account. The initial deposit can be as low as $100. This certificate has a 12-month, auto-renewable term and you can make additional deposits at any time.
To apply for a certificate, simply log into Online Banking and complete the application.
Rates
Fixed-Rate Certificate
Term | Rate | APY |
---|---|---|
3 Month | 4.314% | 4.40% |
6 Month | 4.169% | 4.25% |
12 Month | 3.928% | 4.00% |
18 Month | 3.928% | 4.00% |
24 Month | 3.928% | 4.00% |
24 Month Step-Up | 3.784% | 3.85% |
36 Month | 3.928% | 4.00% |
48 Month | 3.445% | 3.50% |
60 Month | 3.203% | 3.25% |
Variable-Rate Early Saver Certificate
Term | Rate | APY |
---|---|---|
12 Month–up to $20,000 | 3.928% | 4.00% |
12 Month–over $20,000 | 0.250% | 0.25% |
Related Products and Services
1 Must meet eligibility requirements. Certain restrictions apply. A penalty will or may be imposed for early withdrawal.
2 UFCU does not provide tax or legal advice. For such guidance, please consult a qualified tax and/or legal advisor.