Elite Earnings Certificate
A limited-time certificate made for smart savers.
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Boost your savings with an Elite Earnings Certificate
Looking for a smart, secure way to grow your savings without a long-term commitment? With University Credit Union’s Elite Earnings Certificate, you’ll earn a powerful 3.75% APY* in just 5 months.
This exclusive certificate is designed to help you make the most of your money in a short period. It's a great option for funds you want to keep secure while earning a higher return than a traditional savings account —no long-term commitment necessary.
3.75% APY 5-month certificate
New funds only. No maximum.
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 ‘Elite Earnings 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!
Certificate special details
Available only on new money deposited to UCU
No maximum deposit
Deposited funds are insured by the NCUA
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.
Want to learn more about certificates and why they might be a good fit for your savings goals? Check out this video that breaks down the basics!
Open a 5-month 3.75% APY certificate today!
If you are interested in opening an Elite Earnings Certificate, please fill out our online application.
*APY = Annual Percentage Yield. Special promo rate is 3.75% APY based on dividend rate of 3.685% available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Promotional rate in effect as of August 18, 2025. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. Minimum opening deposit is $500. Minimum balance to obtain APY is $500. No maximum deposit.
Promotional rates are subject to change or end without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.
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