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.

See Our Rates

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

Effective Date: December 2, 2024

A penalty will or may be imposed for early withdrawal.
Fees could reduce earnings on account.

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

Effective Date: April 5, 2024

Rate is variable and subject to change after account is opened.
Fees could reduce earnings on account.

Term Rate APY
12 Month–up to $20,000 3.928% 4.00%
12 Month–over $20,000 0.250% 0.25%
Money Markets: More Flexibility

Related Products and Services

The Plus Checking Account1 earns dividends and other extras. The monthly fee is automatically waived when you meet the requirements.

Plan for the future you want by continually earning compounded dividends and saving money on taxes.2


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.