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Elevation Certificate
The view's better at 4.00% APY*.
If you are an existing University Credit Union (UCU) member, please open your new certificate in digital banking or call us at 800.UCU.4510.
Take your savings higher.
A better rate can help every dollar go further. At 4.00% APY for 11 months, the Elevation Certificate gives your money the opportunity to grow with a guaranteed return and the peace of mind that comes with knowing exactly what you'll earn.
Why choose the Elevation Certificate?
- Earn 4.00% APY on new money deposited to UCU
- Guaranteed fixed return for the full 11-month term
- Shorter-term commitment than many traditional certificate options
- No maximum deposit amount
- Open with as little as $500
Open a new certificate in digital banking
If you are an existing UCU member, the Elevation Certificate is available in your digital banking account.
Simply log into your desktop or mobile device, select “New” under your existing accounts, and select “Share Certificates” in the list of available product types. Open a new Elevation Certificate or one of our other competitive certificate products after following a few simple prompts.
If you do not have a digital banking account, please take a moment to enroll. In addition to managing your loans and accounts on-the-go, a UCU digital banking account includes smart money tools such as Credit+ and CashBack+!
Why should I open a certificate?
Similar to certificates of deposit, or "CDs", issued by banks, credit union certificates. Certificates are a steady and secure way to grow your savings. No matter what happens with the market, the rate of your certificate will not fluctuate and is insured by the NCUA up to $250,000 per depositor and account type.
*APY = Annual Percentage Yield. Special promotional rate of 4.00% APY based on dividend rate of 3.928% available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Promotional rate effective as of October 1, 2026. Minimum opening deposit is $500. Minimum balance required to earn the stated APY is $500. There is no maximum deposit amount. Funds must be new to UCU to qualify for the promotional rate. Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. The promotional offer is scheduled to end on October 27, 2026, and may be modified, withdrawn, or ended earlier without notice. Early withdrawal penalties may apply to Share Certificates. Fees may reduce earnings on accounts.