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Share Certificates

We have certificates with the following terms:

  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months

Add-On Certificates

At Unified Communities Federal Credit Union we offer many ways for you to accumulate wealth and obtain higher rates on your savings. One of those ways is with our add-on certificates of deposit. The add-on certificate works the same as any other certificate, other than you can add money to the certificate at any time ($250 minimum deposit) at the rate received when you purchased the certificate. To see the current rates please visit that section of our web page. Minimum Deposit: $1,000 Minimum Add-On: $250 Rate: current rates

Youth Certificates

Youth certificates are available to our members under 18 years of age. These certificates are available in the same terms and have a $500 minimum deposit.

Certificate Rates
Effective Date: Thursday, August 22nd, 2019
Dividend RateAPY*
IRA Certificate 0.13% 0.13
6 Month Share Certificate 0.10% 0.10
12 Month Share Certificate 0.13% 0.13
24 Month Share Certificate 0.20% 0.20
30 Month Share Certificate 0.25% 0.25
6 Month Add On Certificate 0.08% 0.08
12 Month Add On Certificate 0.10% 0.10
18 Month Add On Certificate 0.13% 0.13
24 Month Add On Certificate 0.15% 0.15
*APY = Annual Percentage.
Rates are subject to change without notice.
An early withdraw penalty will be assessed.