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Savings Certificates

A savings account that works harder and earns more

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A Savings Certificate is a savings account with a set term and higher yield.

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What is a Savings Certificate?

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.

The longer the term, the higher your interest yield.


What’s the difference between a Savings Certificate and a CD?

A “Savings Certificate” is similar to a certificate of deposit or more commonly known as a “CD” CDs are issued by banks and Savings Certificates” or “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.

Today’s Certificate Rates

Please note that rates and fees are subject to change without notice.

Disclosure: Click for truth-in-savings for savings certificate.

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