When rates rise, you can too.
3.50% APY* Bump-Up Certificate
24-months
Our special, 24-month Bump-Up Certificate gives you a one-time opportunity to move to a higher University Credit Union (UCU) 24-month certificate rate during your term. So if rates rise, your earnings can too.
One certificate. More flexibility.
One-time rate increase option
Get a higher rate if our posted 24-month certificate rate increases. No fees. No penalties.
Protection when rates rise
Start growing your savings today without worrying about missing a better rate tomorrow.
Low minimum, no maximum
Start with as little as $500, no limit. Available for Traditional, IRA, and Roth IRA certificates
How the Bump-Up Certificate works
1. Open your certificate at 3.50% APY
Your rate is fixed from day one on a 24-month certificate, even after a rate bump.
2. Watch the market
If our posted 24-month certificate rate rises during your term, you’re eligible to bump up. No need to open a new certificate to get the higher rate
3. Request your one-time rate bump
Call us or visit a UCU location to request your rate bump. Once approved, your new rate takes effect immediately and applies through maturity.
4. Enjoy higher earnings
Your certificate continues to grow at the bumped rate until the end of your 24-month term. Dividends are compounded and credited monthly.
Open this certificate in digital banking!
If you are already a UCU member-owner and wish to open a certificate, log in to your UCU digital banking account, select 'Menu', then 'More', and submit the secure form ‘Bump-Up Certificate Request' to our team. For further assistance, call us at 800.UCU.4510.
Not a member? Click the link below and become one today!
*APY = Annual Percentage Yield. The Annual Percentage Yield (APY) is 3.50%, and the Dividend Rate is 3.445%. The disclosed APY and Dividend Rate are accurate as of August 1, 2026. Rates offered on new certificates may change at any time. Once opened, the certificate's Dividend Rate and APY will remain fixed until maturity unless the member exercises the one-time Bump-Up feature. The APY assumes dividends remain on deposit until maturity. Dividends are compounded and credited monthly. Minimum balance to open certificate is $500. The certificate has a 24-month term. No additional deposits are permitted after the account is opened. This Bump-Up Certificate allows the member to request a one-time increase to the account’s Dividend Rate and corresponding APY during the original 24-month term. The member must request the rate increase. The rate increase is not automatic. Upon receipt of an eligible member request, the Dividend Rate and corresponding APY will be increased to the Dividend Rate and APY then in effect for the credit union's 24‑month published certificate. The adjusted rate and APY will apply only from the effective date of the rate increase forward. The adjusted rate and APY will not apply retroactively to dividends previously earned. The certificate’s original maturity date will not change as a result of exercising the Bump-Up feature. One-time rate increase available beginning on the 11th calendar day after account opening and prior to maturity. The account is subject to the credit union’s standard early withdrawal penalties. A penalty may be imposed for withdrawals before maturity. Early withdrawal penalties may reduce earnings on the account. Membership eligibility required.