There aren’t too many guarantees in life, but you can count on earning a guaranteed rate of return for a specific period of time when you open a Share Certificate with UICCU!


Share Certificate

Lock in a competitive rate and watch your savings grow! Certificates are perfect for members who want to earn a higher dividend and can commit to setting money aside for a designated time frame. With terms that range from a couple of months to a couple of years, a Share Certificate is a great way to save for near-term goals like buying a car, starting a family, and more.

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.15%0.15%90 day dividend
6 months$10000.20%0.20%90 day dividend
1 year$5000.25%0.25%180 day dividend
2 years$5000.50%0.50%180 day dividend
3 years$5000.75%0.75%180 day dividend
4 years$5001.00%1.00%180 day dividend
5 years$5001.25%1.24%180 day dividend

Home Buyers Certificate

If you’re planning to buy a home, we can help you save money for your down payment or closing costs with a Home Buyers Certificate! You can add funds to your certificate any time in deposits of $250 or more, up to the maximum deposit amount of $20,000. Maximum of one (1) Home Buyers Certificate per member. Early withdrawal penalties apply unless 75% of balance is used for the down payment and/or closing costs in conjunction with a UICCU mortgage loan.

Term LengthMinimum DepositAPYDividend RateEarly Withdrawal Penalty
1 Year$5000.25%0.25%180 Day Dividend

Buying a Home?

We can help you understand the process and get a great rate.

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IRA and Coverdell Education Savings Certificates

We also offer share certificates for traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts (ESA). Certificates are a great addition to your retirement savings plan, because they help you earn higher dividends with no risk and let you choose your time commitment. Early withdrawal penalty applies. This penalty is in addition to any penalties and withholding requirements that may apply, in accordance with IRA/ESA regulations and IRS law.

Term LengthMinimum Deposit for IRAMinimum Deposit for ESAAPYDividend RateEarly Withdrawal Penalty
1 Year$1000$5000.10%0.10%180 Day Dividend
2 Years$1000$5000.25%0.25%180 Day Dividend
3 Years$1000$5000.50%0.50%180 Day Dividend
4 Years$1000$5000.50%0.50%180 Day Dividend
5 Years$1000$5001.00%1.00%180 Day Dividend

Investment & Retirement Planning

Do you have a financial plan for your future? We can help.

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More Ways to Save

An IRA Savings Account is another great way to save.

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APY stands for Annual Percentage Yield. Dividends on all certificates are calculated daily and compounded quarterly and at maturity. Early withdrawal penalties may apply.

Earn a great return, guaranteed!

Open a new certificate

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“Recently my husband and I had the pleasure of working with Brooke to receive two auto loans and from the very beginning Brooke provided us with amazing customer service. Often times the auto loan process can be long and drawn out, however in our cases it went very smoothly. Brooke’s knowledge and guidance throughout the whole process allowed us to enjoy the car buying experience. My husband and I will never use another bank for our auto loans, the top notch customer service and respect we received has left an imprint, from here on out we refer our friends and family to UICCU for their services because we know they will receive the best customer service.”

Brianna V

“I love working with a team that loves to help our members make the best financial choices for their future. ”

Eliza F

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