Share Certificates

Make your money work hard for you with a high performance Certificate.

Choose from a variety of terms to fit your investment needs and enjoy higher earnings.

  • Dividends are calculated daily and paid quarterly
  • Low minimum opening deposit of $500
  • Terms offered from 3 months to 60 months*
  • Premier dividend rates for Share Certificates over $50,000
  • Click here to access our current rates and latest Certificate specials


*Terms may vary by region. Please check with your local branch for details.


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

It’s fast and easy!

Open Now

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.

more info

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