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Business & Personal 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.

Savings Promotion - Personal & Business Certificates

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(801) 223-8188 | [email protected]
or send us a secure message from within online banking or within our mobile banking app.

Available M–F 8 am–6 pm, and Sat. 9 am–2 pm.

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?

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.

Click for truth in savings for certificate disclosure

Today’s Certificate Rates

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

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