Ladder Certificates

You can expect premium returns and added flexibility.

This allows you to have a structured investment plan, helping you stay true to your goals and benefit from the higher yield long term investments offer. And best of all, if you need to withdrawal money, each year you will have a certificate maturing.


Purchase a 1 year certificate, as well as a 2, 3, 4 and 5 year certificate. Each year, as one matures, roll it over into a new 5 year certificate.


Open an account online, on the phone, or in person

It’s fast and easy!

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More Certificate Options from UFCU

Young Investor Share Certificates

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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Liquid Share Certificates

For Members who want the flexibility to withdraw or add funds while earning a higher rate of dividend.

more info

Bump Up Share Certificates

Take advantage of increasing certificate rates.

more info