Guaranteed Rates for the Full Term

Lock in our highest rates and leave your funds alone to grow. Our short- and long-term Certificates of Deposit (CDs) will earn you excellent returns for a variety of savings goals.

Fixed-Rate Certificates of Deposit

Regular
$1,000–$99,999
Jumbo
$100,000 & More
Term Rate APY Rate APY
3 Month 0.100% 0.10% 0.349% 0.35%
6 Month 0.250% 0.25% 0.499% 0.50%
12 Month 2.129% 2.15% 2.374% 2.40%
24 Month Step-Up 2.374% 2.40% 2.618% 2.65%
24 Month 2.521% 2.55% 2.765% 2.80%
36 Month 2.618% 2.65% 2.862% 2.90%
48 Month 2.716% 2.75% 2.960% 3.00%
60 Month 2.960% 3.00% 3.203% 3.25%

Effective Date: September 14, 2018


Variable-Rate CDs

Early Saver Certificate

Term Rate APY
12 Month–up to $20,000 3.105% 3.15%
12 Month–over $20,000 0.250% 0.25%

Effective Date: October 1, 2018

Step Up to Increase Your Rate

Take advantage of rising interest rates and increase your rate with a Step-Up Certificate. Here’s how it works:

  • 24-month term with an initial rate lower than traditional 24-month CD
  • Add more funds at the time of the rate increase
  • Subject to early withdrawal penalties
  • Activate the step-up option when the traditional 24-month CD increases
  • Activate the step-up option once during the 24-month term
  • Cannot be used as security for a loan

Log in, contact us, or stop by any location to open an account.

 

Early Savers, Amplify Your Allowance

Our flexible Early Saver Certificates can help make savvy savers. Young Members, (age 17 and under) with a Kidz or Teen Savings account qualify. Here’s how it works:

  • Initial deposit of of $100
  • 12-month term with variable tiered rates
  • Dividends compounded and paid monthly*
  • One CD per social security number
  • Make additional deposits at any time
  • Auto-renewable term
  • Subject to an early withdrawal penalty
  • Cannot be used as security for a loan

Log in, contact us, or stop by any location to open an account.


APY = Annual Percent Yield

* Dividends are calculated by the daily balance method. Dividends are based on UFCU's earnings at the end of a dividend period, and cannot be guaranteed.

How much will you earn?

$
%
$
%

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Saving for retirement?
Individual Retirement Accounts
Up to 3.00% interest