Liquid Share Certificates

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


  • 12-month term
  • $2,500 minimum opening balance required
  • $250,000 maximum balance
  • Dividends are calculated daily and paid quarterly


Detailed Features:

  • Maximum of two (2) withdrawals per month, withdrawals must be at least seven (7) days apart to avoid early withdrawal penalties.  For all other withdrawals, an early withdrawal penalty equal to 180 days dividends on the amount withdrawn must be charged for each additional withdrawal.
  • Not for Business Share Certificates or IRA Share Certificates
  • 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 funds have rolled over, they 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

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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Ladder Share Certificates

You can expect premium returns and added flexibility.

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Bump Up Share Certificates

Take advantage of increasing certificate rates.

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