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 through May 30, 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.

⁴Available 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.

⁵Early 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.