Bump Up Certificates

For Members who want to take advantage of potential dividend rate increases.

This great investment allows you to take advantage of increasing certificate rates.


  • 36-month term
  • One rate bump up allowed during the term of the certificate
  • $500 minimum opening balance required
  • $1,000,000 maximum balance
  • Dividends are calculated daily and paid quarterly


Detailed Features:

  • The one-time bump up requires a visit to a UFCU branch or a call to the UFCU Member Service Center. If the Member would like to exercise the bump, they will receive the current Bump Up Share Certificate rate for the remaining term of the Share Certificate.
  • One bump up allowed during the term of the certificate
  • Bump up does not extend the maturity date
  • Early withdrawal penalty is 12-months dividends on the amount withdrawn
  • Business Share Certificates and IRA Share Certificates are eligible
  • Bump up certificates are not eligible to receive a rate offered on any Share Certificate specials
  • There is a seven-day (7) grace period for maturing certificates. If a Member chooses to redeem the certificate during the grace period, dividends will not be paid during the grace period and withdrawal penalties will not be assessed. Once the grace period has ended, funds will not be available until the end of the certificate’s term or will be subject to an early withdrawal penalty.
  • Certificate will be renewed automatically for the same term, and at the most current rate, unless the Member closes the account prior to the certificate’s maturity date.
  • A notice is sent to the Member 30 days prior to a certificate’s maturity date. The notice reminds the Member that the certificate is coming due, and requests they notify the credit union if they do not want the certificate to be automatically renewed.

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More Certificate Options from UFCU

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This is a special certificate just for young investors under the age of 18. With just a minimum opening deposit of $500 young investors can select from terms ranging from 3 to 12 months.

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Ladder Share Certificates

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