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Act fast because a rate like this won’t stick around
A Lock and Roll certificate is your safe bet to keep your savings secure. Enjoy peace of mind and stability as rates fluctuate, knowing your returns are guaranteed for two years.
With a potential rate cut from the Federal Reserve coming, now is the time to lock in your earnings. UCU's Lock and Roll Certificate puts you ahead of the curve, giving you a clear advantage. Secure your future today!
4.00% APY 24-month certificate
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 ‘Lock and Roll 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
Enjoy rate stability for the full term
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 24-month 4.00% APY certificate today!
If you are interested in opening a Lock and Roll Certificate, please fill out our online application.
*APY = Annual Percentage Yield. Special promo rate is 4.00% APY based on dividend rate of 3.928%. 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.
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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