Share Certificates
High Yields on Your Money
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.
- An amount as small as $500 may be invested in a UCU Share Certificate.
- Terms are from 3 Months to 60 months.
- Simple Saver Share Certificate can start gaining interest with as little as $50, more information below.
- 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 info@unitedcu.org.
| Regular and IRA Share Certificate Rates | ||
| Effective Date: Tuesday, November 11th, 2025 | ||
| $500 Minimum | ||
| Term | APR* | APY** |
| 3 Months | 1.10% | 1.10% |
| 6 Months | 1.25% | 1.25% |
| 12 Months | 1.40% | 1.40% |
| 18 Months | 1.50% | 1.50% |
| 24 Months | 1.75% | 1.75% |
| 36 Months | 2.00% | 2.00% |
| 48 Months | 2.25% | 2.25% |
| 60 Months | 2.50% | 2.50% |
| * APR = Annual Percentage Rate. | ||
| **APY = Annual Percentage Yield. | ||
| ***Automatically renews into a 6-month certificate upon maturity. For a limited time only. | ||
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. | ||
| Simple Saver Share Certificate | ||
| Effective Date: Tuesday, November 11th, 2025 | ||
| $50 Minimum - Can Deposit Additional Money Anytime | ||
| Term | APR* | APY** |
| 12 Months | 0.50% | 0.50% |
| *APR = Annual Percentage Rate. | ||
| **APY = Annual Percentage Yield. | ||
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. | ||
