
Certificates that earn more

Benefits of a UCU certificate
Experience the power of guaranteed returns and the peace of mind of watching your savings grow with certainty. UCU certificates are the smart choice to help you reach your financial goals faster.
- Open a certificate with just a $500 deposit
- Choose from various terms (ranging from 6 to 60 months)
- Enjoy rates that are generally higher than other savings options
More great ways to save
Frequently asked questions
- What are the advantages of a UCU certificate? Click On What are the advantages of a UCU certificate?
Certificates let you put your money to work with a guaranteed return. Open a UCU certificate with just $500 and kickstart your earnings today. Can’t decide on a savings option? Ask one of our certified financial experts.
- What is a certificate? Click On What is a certificate?
A certificate is a type of account where your deposited money earns a competitive dividend rate for a specified time before your investment and the interest can be redeemed. Explore our certificate rates today.
- Can I withdraw money from a UCU certificate? Click On Can I withdraw money from a UCU certificate?
Yes. However, if you withdraw early from a certificate, you may incur a penalty equal to several months’ worth of dividends you could have earned. For more information, visit UCU’s Truth in Savings Disclosure page.
- Will my UCU certificate rate change during its term? Click On Will my UCU certificate rate change during its term?
No, when you open a certificate, your rate is locked in for the term. Explore our competitive rates and terms today and choose the right certificate amount and term for you.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.