Certificate Rates

Save for short- or long-term goals with a competitive and guaranteed dividend rate through a UCU Share Certificate

At UCU, you have multiple options and you’ll always know exactly what dividend rate you’ll receive during the term.

Fixed Share/IRA*

Account Type	Minimum Balance to Earn Dividends	Dividend Rate	Annual Percentage Yield (APY)
6-Month	$500	0.349%	0.350%
12-Month	$500	0.449%	0.450%
14-Month Special¹	$500	2.227%	2.250%
24-Month	$500	0.648%	0.650%
30-Month Special²	$500	3.445%	3.500%
36-Month	$500	0.847%	0.850%
48-Month	$500	0.946%	0.950%
60-Month	$500	1.045%	1.050%

To join today, complete our online membership application. If you're already a UCU member and wish to open a Certificate, you can do so in-person at one of our advisory centers or by calling us at 800.UCU.4510.