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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: Friday, January 24th, 2020
$500 Minimum
3 Months 0.50% 0.50%
6 Months 0.75% 0.75%
12 Months 1.25% 1.25%
16 Month CD Special** 1.75% 1.75%
18 Months 1.35% 1.35%
24 Months 1.50% 1.50%
36 Months 1.75% 1.75%
48 Months 1.85% 1.85%
60 Months 2.00% 2.00%
**Upon Maturity - automatically renews into a 12 Month CD.

Simple Saver Share Certificate
Effective Date: Friday, January 24th, 2020
$50 Minimum - Can Deposit Additional Money Anytime
12 Months 0.50% 0.50%
APY = Annual Percentage Yield.

Equal Housing Lender National Credit Union Administration