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United Credit Union Share Certificates

Share Certificates

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Share Certificates

High Yields on Your Money

Share Certificates have long been one of the most popular high-yield investments, and they are available at your credit union and insured by the NCUA.

Share Certificates earn a fixed, money-market rate over a pre-determined length of time, and United offers a variety of terms at reasonable minimum investments. Contact the credit union office for current rates and terms.

  • An amount as small as $500 may be invested in a UCU Share Certificate.
  • Terms are from 3 Months to 60 months.
  • Simple Saver Share Certificate can start gaining interest with as little as $50, more information below.
  • The latest UCU Certificate rates are available by calling or visiting UCU, or by viewing the chart below.

For more information on how to open a Share Certificate, contact us at info@unitedcu.org.

Regular and IRA Share Certificate Rates
Effective Date: Thursday, March 28th, 2024
$500 Minimum
TermAPR*APY**
3 Months 1.10% 1.10%
6 Months 1.25% 1.25%
12 Months 1.40% 1.40%
18 Months 1.50% 1.50%
24 Months 1.75% 1.75%
36 Months 2.00% 2.00%
48 Months 2.25% 2.25%
60 Months 2.50% 2.50%
* APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
***Upon Maturity - automatically renews into a 12 Month CD.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Simple Saver Share Certificate
Effective Date: Thursday, March 28th, 2024
$50 Minimum - Can Deposit Additional Money Anytime
TermAPR*APY**
12 Months 0.50% 0.50%
*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

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