grow earnings
United share certificates can enjoy higher dividend rates compared to traditional savings accounts. It's a great choice for those seeking to grow their earnings steadily and securely.
share certificates
Pair a certificate special with an Ultra Checking account and earn up to 4.10% APY¹ for 5 months, or 3.75% APY¹ for for 13 months. IRA eligible.
make your money work for U
with a United Share Certificate
Looking for more than just a typical savings account? Consider our Share Certificate options, providing a dependable choice with consistent returns over a set timeframe. At United, opening a certificate account starts with as little as a $500 deposit, allowing you to enjoy the benefits of any one of our Share Certificate offerings. Additionally, combining a Share Certificate with an Ultra Checking account unlocks a higher bonus rate, enhancing your earning potential.
renew a maturing share certificate
It’s easy to move your certificate into a new great rate. Whether you prefer visiting a local branch, calling (888) 982-1400, or chatting online, we're here to assist you every step of the way.
Share and IRA Certificates |
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|---|---|---|---|
| Effective Date: June 01, 2025 | |||
| Type | Dividend Rate | APY1 | APY with Bonus Rate2 |
| 5 Month Special | 3.941% | 4.00% | 4.10% |
| 13 Month Special | 3.601% | 3.65% | 3.75% |
| 60 Months | 2.280% | 2.30% | 2.40% |
| 48 Months | 2.231% | 2.25% | 2.35% |
| 36 Months | 2.182% | 2.20% | 2.30% |
| 24 Months | 2.084% | 2.10% | 2.20% |
| 18 Months | 2.034% | 2.05% | 2.15% |
| 12 Months | 1.985% | 2.00% | 2.10% |
| 6 Months | 1.492% | 1.50% | 1.60% |
| 3 Months | 0.996% | 1.00% | 1.10% |
|
Highlighted rows are current specials. [1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. |
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schedule an appointment share certificate calculator
Open your certificate special on your terms—schedule a visit or call at your convenience, or stop by any branch.
flexible
At United, flexibility is key. Choose a special or term that suits you, ranging from 3 to 60 months. Rest assured, your rates remain locked in for the duration of your certificate, providing stability and predictability for your savings goals.
be confident
Your investments are federally insured through NCUA, providing protection for deposits up to $250,000.
Plus, rest assured that your investment won't lose value unless withdrawn before the end of the term.
unlock bonus rates
Enjoy even higher returns with our bonus rate.
When you pair a share certificate with our Ultra Checking account, you'll receive an additional 0.10% APY1 increase. It's our way of rewarding you and your commitment to United.
certificates built around U
additional options to help grow your savings
At United, we understand that each member’s financial journey is unique. That’s why we offer a diverse range of Share Certificates, each thoughtfully designed to align with your individual savings goals and lifestyle needs. Whether you’re aiming to capitalize on potential dividend rate increases, seeking a balance between higher returns and accessibility, or encouraging a young saver to build healthy financial habits, our specialized Share Certificates provide the flexibility and security to help you achieve your objectives with confidence.
Liquid Share Certificate
Earn competitive dividends with the flexibility to access your funds during the term.
- Term: 12 months
- Minimum Balance: $2,500
- Maximum Balance: $250,000
- Rate Adjustment: Two penalty-free withdrawals per month (minimum 7 days apart)
- Dividends: Calculated daily, paid quarterly
- Eligibility: Excludes Business Share Certificates
- Early Withdrawal Penalty: 180 days dividends on additional withdrawals
- Renewal: Automatic renewal with 30-day maturity notice
Bump-Up Certificate
Earn competitive dividends and boost your rate if rates rise during your certificate term.
- Term: 36 months
- Minimum Balance: $500
- Maximum Balance: $1,000,000
- Rate Adjustment: One-time rate increase allowed during term
- Dividends: Calculated daily, paid quarterly
- Eligibility: Excludes specials
- Early Withdrawal Penalty: 12-month dividends on withdrawn amount
- Renewal: Automatic renewal with 30-day maturity notice
Youth Investor Certificate
Ideal for youth Members looking to learn responsible saving habits at an early age:
- Eligibility: Members under age 21
- Minimum Deposit: $500
- Flexible Terms: Choose from terms ranging between 3 and 12 months
- Incremental Deposits: Add additional funds ($50 minimum increments)
Ladder Certificate
Combine long-term stability with periodic flexibility through a structured savings plan:
- Minimum Deposit: $500
- Dividends: Calculated daily, paid quarterly
- Strategy: Purchase multiple certificates with staggered maturity dates (1–5 years)
- Benefits: Roll matured certificates into new 5-year certificates, maximizing returns and liquidity
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[1] APY=Annual Percentage Yield. APY accurate as of 6/1/2025. Subject to change without notice. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Rates may change after the account is opened. If requirements are not met, rates are 4.00% for 5 months, or 3.65% for 13 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. 5 month certificate renews to 3 month standard certificate at maturity, 5 month certificate renews to 3 month standard certificate at maturity. Rates are based on current rates at the time of renewal. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.