Certificate rates

*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.

³Special promo rate is 4.00% APY based on dividend rate of 3.928%. Promotional rate in effect as of March 2, 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. Maximum deposit is $7,500.

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.

To be eligible, must be a new or existing University Credit Union member who is in good standing and who maintains either an active loan or an active checking account. An active loan includes any current term loan with an outstanding balance, any credit card with an outstanding balance or with at least one posted transaction within the preceding thirty days, and any home equity line of credit (HELOC) with an outstanding balance or with at least one posted transaction within the preceding thirty days. An active checking account is defined as a checking account with at least one posted transaction within the preceding thirty days. Only one Diamond Anniversary Certificate may be opened per primary membership, and the product is not available to joint members unless they qualify under their own primary membership. Eligibility is limited to primary members whose account classifications are 0000 General Membership, 0002 Employee, 0003 Board of Directors, or 0006 Revocable Trust. All other account types are not eligible to open a Diamond Anniversary Certificate. Traditional or Roth IRA certificates will not be eligible to be opened under this promotion.

⁴The 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.

⁵Available only on new money deposited to UCU. Minimum balance to open is $10,000. Early withdrawal penalties may apply to Share Certificates. Amount of Penalty. The amount of the penalty depends on the term of the account. For certificates with terms of six months or less, the penalty is all dividends earned as of the date of the withdrawal. For certificates with terms greater than six months up to 18 months, the penalty is 90 days' dividends. For certificates with terms greater than 18 months up to 30 months, the penalty is 180 days' dividends. For certificates with terms greater than 30 months and up to 60 months, the penalty is 365 days' dividends. How the Penalty Works. The penalty is calculated on the amount of early withdrawal. It applies irrespective of whether the dividends have already been earned or not. If accrued dividends are insufficient to pay the penalty, it will be deducted from principal.

After the certificate account is opened, additional deposits may not be made to the account. Certificate accounts are automatically renewable accounts. 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. There is a grace period of ten days after maturity. At maturity and during the ten-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. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. All rates and terms are subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.

⁶Early withdrawal penalties may apply to Share Certificates. After the certificate account is opened, additional deposits may not be made to the account. Certificate accounts are automatically renewable accounts. 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. There is a grace period of ten days after maturity. At maturity and during the ten 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. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. All rates and terms subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Fee Schedule for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.