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*APY = Annual Percentage Yield. Special promo rate is 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 in effect as of September 16, 2026. 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.

¹APY = Annual Percentage Yield. Special promo rate is 3.75% APY based on dividend rate of 3.687%. Promotional rate in effect as of December 8, 2025. Special Promotional certificate will renew as a 24-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.

²The 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.

³APY = Annual Percentage Yield. Special promo rate is 3.75% APY based on dividend rate of 3.687%. Promotional rate in effect as of September 16, 2026. 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. Available to new and existing University Credit Union members whose accounts are in good standing under UCU policies.