Guaranteed Rates for the Full Term

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

Fixed-Rate Certificates

Term Rate APY
3 Month 0.499% 0.50%
6 Month 0.995% 1.00%
12 Month 1.884% 1.90%
24 Month 2.129% 2.15%
24 Month Step-Up 1.982% 2.00%
36 Month 2.325% 2.35%
48 Month 2.472% 2.50%
60 Month 2.618% 2.65%

Effective Date: October 1, 2022

Variable-Rate Certificates

Early Saver Certificate

Term Rate APY
12 Month–up to $20,000 1.890% 1.90%
12 Month–over $20,000 0.250% 0.25%

Effective Date: October 1, 2022

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
  • 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 Certificate 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 $100
  • 12-month term with variable tiered rates
  • Dividends compounded and paid monthly*
  • One Certificate 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 Percentage 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?
Earn 1.00–2.65% APY
Individual Retirement Accounts