Youth Savings: Money Market & Savings Certificate
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Savings Certificates
A savings account that works harder and earns more
A Savings Certificate account provides a higher interest rate than a traditional savings account, enabling your savings to earn more for you.
That’s because unlike a traditional savings account – which allows you to deposit and withdraw funds freely – a savings certificate comes with an agreement that you won’t withdraw funds for a set term, typically anywhere from months to years.
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Special Promotional Savings Certificates!
| Term | Dividend Rate | APY* | Open Online |
| 6 Months Standard Certificate | 4.410% | 4.50% | Open 6-mo Certificate |
| 9 Months Standard Certificate | 4.889% | 5.00% | Open 9-mo Certificate |
| 1 Year Add-on Certificate | 5.128% | 5.25% | Open 1-Year Certificate |
Also, click to take a look at UCCU’s high interest Money Market Accounts!
Types of Savings Certificates
Standard Certificates
A conventional savings certificate that earns you a higher interest rate than a traditional savings account.
| Term | Dividend Rate | APY* |
| 90 Day Certificate | 2.227% | 2.25% |
| 6 Month Certificate | 4.410% | 4.50% |
| 1 Year Certificate | 2.716% | 2.75% |
| 2 Year Certificate | 4.410% | 4.50% |
| 3 Year Certificate | 3.445% | 3.50% |
| 4 Year Certificate | 3.687% | 3.75% |
| 5 Year Certificate | 3.928% | 4.00% |
Add a Jump Up Feature to your Standard Certificate!
Worried the yield will go up? Then add a Jump Up to any Standard Certificate for only 0.20% less APY to enjoy the flexibility of a one-time rate Jump up during the life of your certificate!
Certificate Specials
Open a promotional certificate for a limited time only. Hurry before these specials disappear!
| Term | Dividend Rate | APY* |
| 9 Months Standard Certificate | 4.889% | 5.00% |
| 1 Year Add-on Certificate | 5.128% | 5.25% |
| 15 Months Jump Up | 3.928% | 4.00% |
| 22 Months Jump Up | 2.374% | 2.40% |
| 33 Months Jump Up | 2.618% | 2.65% |
What’s the difference between a Savings Certificate and a CD?
Though a Savings Certificate and a Certificate of Deposit (or CD) are similar in function, CDs are issued by banks while Savings Certificates are issued by credit unions, like UCCU.
Savings Certificates are a popular way to save money by purchasing a certificate and agreeing to leave that money deposited in the certificate for a period of time between 3-months and 5-years. They earn higher dividends than other savings options.
*APY = Annual Percentage Rate. Please note that rates and fees are subject to change without notice. Personal and Business minimum deposit $500 (Youth $100). Click here for Truth in Savings for Certificates. Click here for the Disclosure of Business Savings Certificates.
Click for truth in savings for certificate disclosure
Other Ways to Save
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