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Help & Guidance

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Share Certificates (Term Deposit Accounts)

Reach new heights with your savings

Grow your savings at a guaranteed rate with insurance and a low minimum requirement

Similar to CDs or fixed term deposits, share certificates turn your time into money. Deposit and keep your money in the account for a fixed term and earn a guaranteed rate throughout.1 You can earn even more when you qualify for Member Loyalty Dividends.

Square bar diagram.
Guaranteed growth

Lock in a rate as high as 4.25% APY2 and shield yourself from interest rate fluctuations.

Safe.
Protection

Have peace of mind knowing your money is insured up to $250,000 per account holder.

Board check.
Variety

Choose a term from three months to five years and get started with as little as $250.

Find the certificate that meets your needs

  • Note.

    Standard

    With a standard certificate, choose from terms as short as three months or as long as 60 months.

  • Stack of coins.

    Simple Saver3

    Open a Simple Saver certificate with as little as $250. You could qualify for a $25.00 bonus.4

  • World.

    Impact

    Your deposit in an Impact certificate will only be used to fund environmental and social impact projects.5

  • Square bar diagram.

    Flex Rate

    With a Flex Rate certificate, request a one-time rate increase if we increase the rate of the 30-month certificate. Continue earning the higher rate until your certificate matures.6

Compare certificates

​ Standard Simple Saver3 Impact Flex Rate

Rate

 Standard

Up to 4.05% APY2

 Simple Saver3

3.25% APY2

 Impact

3.50% APY2

 Flex Rate

2.50% APY2

Term

 Standard

Three months to 60 months

 Simple Saver3

24 months

 Impact

12 months

 Flex Rate

30 months

Minimum amount to open

 Standard

$500

 Simple Saver3

$250

 Impact

$500

 Flex Rate

$500

Renewable

 Standard

Simple Saver3

—

 Impact

Flex Rate

—

Add money after opening

 Standard

—

 Simple Saver3

Impact

—

 Flex Rate

—
Individual and their child watering a plant.

Earn extra dividends

Receive an added boost to your earnings each month that you qualify for Member Loyalty Dividends.

Individual embracing their two children.

Open a share certificate

Lock in your guaranteed rate.

Start today

Top share certificate FAQs

Share certificate dividends are compounded daily and credited monthly. You can withdraw all or a portion of the dividends earned each month without penalty.

You may deposit dividends into another account that you own. If you are looking to transfer dividends to an account that is not yours, please contact us.

Share certificates are very secure. You can earn a guaranteed rate of return and your money is insured up to $250,000.

You may have one joint account holder on your UNFCU share certificate account.

No, you cannot change the term of your certificate during its initial term. However, at maturity, UNFCU share certificates have a 10-day grace period, during which you may change the term.

View all share certificate FAQs

Resources to help you manage your share certificates

Visit the Help Center
Savings & Spending Accounts

Compound savings calculator

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Savings & Spending Accounts

View, add, or remove beneficiaries

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Savings & Spending Accounts

Update share certificate renewal options 

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Savings & Spending Accounts

Request a Flex Rate increase

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Visit the Help Center

Unlimited deposits & global access

Build your long-term savings and access it at any time with a high-yield savings account.

Learn more

Disclosures

  1. You may withdraw dividends accrued on your account each month, without incurring a penalty. Any additional withdrawals before the completion of the certificate’s term will incur early withdrawal penalties. View our fees and service charges for specific penalties, based on the term of your certificate. The penalties will be waived if:

    • Your share certificate has a term of 18 months or less, and
    • You use the money for a new home financed by UNFCU.

    This waiver applies to share certificates that have been open and funded for at least six days. For certificates closed within the first six days of funding, the early withdrawal penalty is seven days of simple dividends.

  2. APY = Annual Percentage Yield. Rates are subject to change without prior notice. However, the rate in effect at the time of a share certificate opening will be fixed for the term of the product. The Flex Rate share certificate, which allows you to change the rate once during its term, is the only exception. Fees may reduce earnings. View our fees and service charges for specific penalties. Effective date: 19 April 2024.
  3. The Simple Saver certificate is available to all members enrolled in Digital Banking. Each member can have one Simple Saver certificate. The total balance of the certificate cannot exceed $10,000.

  4. Receive a $25.00 bonus at the end of your term if you:

    • Make at least two deposits in addition to the opening deposit, and
    • Have a minimum balance of $2,500 at maturity.

  5. Shares in the Impact certificate can be used to maintain existing investment securities and loans supporting sustainable and/or social initiatives. UNFCU may also use shares to purchase additional investment securities and/or to originate new loans. These may include:

    • Security investments that promote affordable housing, public transportation, and clean water and energy products.
    • Member loans for environmentally positive projects such as solar panels and energy efficient home improvements.
  6. Flex rates may not be converted to promotional rates or other special offers. Once the flex rate feature is exercised, the new dividend rate will be reflected in that month’s statement. The one-time rate conversion option must be exercised within the 30-month term.