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Promotional Certificate Rates
Account Type
Minimum Balance To Earn Dividends
Dividend Rate
Annual Percentage Yield (APY)*
5-Month Elite Earnings1
$500
3.687%
3.75%
24-Month Lock and Roll2
$500
3.687%
3.75%
- Disclosure + -
Promotional rates in effect as of December 8, 2025. 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.
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 to our team. For further assistance, call us at 800.UCU.4510.
Not a member? Click here to become one today!
Certificate Rates
| Account Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|
| 6-Month | $500 | 1.785% | 1.80% |
| 12-Month | $500 | 1.933% | 1.95% |
| 24-Month | $500 | 1.687% | 1.70% |
| 36-Month | $500 | 1.687% | 1.70% |
| 48-Month | $500 | 1.687% | 1.70% |
| 60-Month | $500 | 1.687% | 1.70% |
- Disclosure + -
Rates effective as of April 9, 2024 and subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
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 to our team. For further assistance, call us at 800.UCU.4510.
Not a member? Click here to become one today!
Promotional Business Certificate Rates
Account Type3
Minimum Balance To Earn Dividends
Maximum
Dividend Rate
Annual Percentage Yield (APY)*
5-Month Business Growth Certificate
$10,000
$99,999
2.960%
3.00%
5-Month Business Growth+ Certificate
$100,000
None
3.445%
3.50%
- Disclosure + -
Promotional rates in effect as of February 18, 2026. 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.
For further assistance, call us at 800.UCU.4510. Not a member? Click here to become one today!
Business Certificate Rates
Account Type4
Minimum Balance To Open
Maximum
Dividend Rate
Annual Percentage Yield (APY)*
6-Month
$10,000
None
1.785%
1.80%
12-Month
$10,000
None
1.933%
1.95%
- Disclosure + -
Rates effective as of February 18, 2026 and subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
For further assistance, call us at 800.UCU.4510. Not a member? Click here to become one today!
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University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*APY = Annual Percentage Yield.
1Available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. No maximum deposit. 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.
2Special Promotional certificate will renew as a 24-month certificate at the available rate for the product at that time. No maximum deposit. 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.
3Available only on new money deposited to UCU. Minimum balance to open is $10,000. Early withdrawal penalties may apply to Share Certificates. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. At maturity and during the seven day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later.
4Early withdrawal penalties may apply to Share Certificates. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. At maturity and during the seven day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later.
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