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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

Regular and IRA Share Certificate Rates
Effective Date: Monday, May 16th, 2022
$500 Minimum
3 Months 0.15% 0.15%
6 Months 0.20% 0.20%
12 Months 0.30% 0.30%
18 Months 0.40% 0.40%
24 Months 0.45% 0.45%
36 Months 0.50% 0.50%
48 Months 0.55% 0.55%
60 Months 0.60% 0.60%
* APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
***Upon Maturity - automatically renews into a 12 Month CD.

Simple Saver Share Certificate
Effective Date: Monday, May 16th, 2022
$50 Minimum - Can Deposit Additional Money Anytime
12 Months 0.15% 0.15%
*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.

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