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Share Certificates

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.

  • As little as $500 may be invested in a UCU Share Certificate.
  • Terms are from 3 Months to 60 months.
  • 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

Regular and IRA Share Certificate Rates
Effective Date: Monday, January 21st, 2019
$500 Minimum
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
12 Months 0.75% 0.75%
18 Months 1.00% 1.00%
24 Months 1.10% 1.10%
36 Months 1.25% 1.25%
48 Months 1.40% 1.40%
60 Months 1.65% 1.65%

Simple Saver Share Certificate
Effective Date: Monday, January 21st, 2019
$50 Minimum - Can Deposit Additional Money Anytime
12 Months 0.25% 0.25%
APY = Annual Percentage Yield.

Equal Housing Lender National Credit Union Administration