Investment & Retirement Planning
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Learn MoreCertificates
We’re the leader in the area for certificate rates.
Sometimes, getting started is the hardest part of saving. That’s where a certificate of deposit can help!
A certificate is a savings account that holds a fixed amount of money for a fixed period. You choose the length of your certificate, and we pay interest! (Which is usually much higher than a traditional savings!) When your certificate matures and it is time to redeem, you receive the money you originally invested plus any interest! This makes getting a return on your savings super easy and stress-free.
Limited Time Share Specials
| Term length | Minimum Deposit | APY | Dividend Rate | Early withdrawal penalty |
|---|---|---|---|---|
| 15 months | $500 *funds not already on deposit at UICCU | 4.25% | 4.16% | 180 day dividend |
| 20 months | $500 | 3.50% | 3.44% | 180 day dividend |
| 30 months | $500 | 3.75% | 3.68% | 180 day dividend |
| 33 months add-on | $100 new deposit $25 add-on deposit | 3.75%2 | 3.68%2 | 180 day dividend |
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33-month Add-on Certificate
Earn up to 3.75% APY1 when you open your certificate with a minimum deposit of $100. You may add-on to this certificate as many times as you would like. Any additional deposits must be a minimum of $25 and the total balance may not exceed $15,000. Limit one per person. Make your money work for you!
An add-on certificate allows you to deposit additional funds to an existing certificate while earning the same interest rate. This will give you peace of mind and help you reach your financial goals faster!
Start Your 33 Month Add-On Certificate
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Silver Share Certificate Rates
| Term length | Minimum Deposit | APY | Dividend Rate | Early withdrawal penalty |
|---|---|---|---|---|
| 90 days | $1000 | 0.05% | 0.05% | 90 day dividend |
| 6 months | $1000 | 2.00% | 1.98% | 90 day dividend |
| 1 year | $500 | 2.20% | 2.18% | 180 day dividend |
| 2 years 2 years jumbo | $500 $100,000 | 2.40% 4.50% | 2.37% 4.43% | 180 day dividend 180 day dividend |
| 3 years | $500 | 2.60% | 2.57% | 180 day dividend |
| 4 years | $500 | 2.80% | 2.76% | 180 day dividend |
| 5 years | $500 | 3.00% | 2.96% | 180 day dividend |
IRA Certificates
We also offer share certificates for traditional IRAs and Roth IRAs. Certificates are a great addition to your retirement savings plan, because they help you earn higher dividends with no risk and let you choose your time commitment. Early withdrawal penalty applies. This penalty is in addition to any penalties and withholding requirements that may apply, in accordance with IRA regulations and IRS law.
| Term Length | Minimum Deposit for IRA | APY | Dividend Rate | Early Withdrawal Penalty |
|---|---|---|---|---|
| 1 Year | $1000 | 2.20% | 2.18% | 180 Day Dividend |
| 2 Years | $1000 | 2.40% | 2.37% | 180 Day Dividend |
| 3 Years | $1000 | 2.60% | 2.57% | 180 Day Dividend |
| 4 Years | $1000 | 2.80% | 2.76% | 180 Day Dividend |
| 5 Years | $1000 | 3.00% | 2.96% | 180 Day Dividend |
APY stands for Annual Percentage Yield. Dividends on all certificates are calculated daily and compounded quarterly and at maturity. Early withdrawal penalties may apply.
1APY=Annual Percentage Yield. Offer good on 33 month Silver Share Certificate only, excludes IRA Certificates. Minimum opening deposit $100. Additional deposits may be made during the term of the certificate in the minimum amount of $25. Limit one per person. If the balance exceeds $15,000 at any time, any excess funds will automatically be moved to the member’s primary share account. At maturity, all principal and dividends earned will be converted to a 36 month Silver Share Certificate. All other terms and conditions of the certificate are defined in the Silver Share Certificate Disclosure and Rate and Fee Schedule. No rate adjustments, bonuses, or special pricing available including Loyalty Checking Bonus. Early withdrawal penalties may apply. Rates subject to change. This promotion is subject to change and may be withdrawn at any time as this is a limited time offer. Federally insured by NCUA. Other restrictions may apply.
2Loyalty Checking bonus does not apply. No restriction on new or existing money. Maximum Deposit $15,000.