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Individual looking from a mountaintop.
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 Rewards.

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 4.10% 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 embracing their two children.

Open a share certificate

Lock in your guaranteed rate.

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.

Resources to help you manage your share certificates

Visit the Help Center
Savings & Spending Accounts

Compound savings calculator

Savings & Spending Accounts

View, add, or remove beneficiaries

Savings & Spending Accounts

Update share certificate renewal options 

Savings & Spending Accounts

Request a Flex Rate increase

Unlimited deposits & global access

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