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Savings Certificates

A savings account that works harder and earns more

Woman looking at laptop holding documents

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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(801) 223-8118 | Branch Locations

Special Promotional Savings Certificates!

TermDividend RateAPY*Open Online
6 Months Standard Certificate4.410%4.50% Open 6-mo Certificate
9 Months Standard Certificate4.889%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.

TermDividend RateAPY*
90 Day Certificate2.227%2.25%
6 Month Certificate4.410%4.50%
1 Year Certificate2.716%2.75%
2 Year Certificate4.410%4.50%
3 Year Certificate3.445%3.50%
4 Year Certificate3.687%3.75%
5 Year Certificate3.928%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!

TermDividend RateAPY*
9 Months Standard Certificate4.889%5.00%
1 Year Add-on Certificate5.128%5.25%
15 Months Jump Up3.928%4.00%
22 Months Jump Up2.374%2.40%
33 Months Jump Up2.618%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

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