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!


Silver 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 timeframe. With terms that range from a couple of months to a couple of years, a Silver Share Certificate is a great way to save for near-term goals like buying a car, starting a family, and more.

Smart Saver Certificate

Help kids become smart savers! Smart Saver Certificates give members under 18 the same rates as our Silver Share Certificates with a lower minimum balance requirement that is half the minimum balance requirement for regular Silver Share Certificates. Parents or guardians can open their child’s Smart Saver Certificate by becoming a joint account holder. All you need is your child’s birth certificate and original social security card.

Safe Icon

Investment & Retirement Planning

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

Learn more
Cell Phone Icon

Youth Center

These resources make it fun to learn good money habits.

Learn more

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.

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.


Buying a Home?

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

Learn more

More Ways to Save

An IRA Savings Account is another great way to save.

Learn more

Certificate Rates

Term lengthMinimum Deposit by TypeAPYDividend RateEarly withdrawal penalty
Silver ShareSmart SaverHome BuyersIRAESA
90 days$1000$5000.15%0.15%90 day dividend
6 months$1000$5000.20%0.20%90 day dividend
1 year$500$250$500$1000$5000.25% / IRA: 0.10%0.25% / IRA: 0.10%180 day dividend
2 years$500$250$1000$5000.50% / IRA: 0.25%0.50% / IRA: 0.25%180 day dividend
3 years$500$250$1000$5000.75% / IRA: 0.50%0.75% / IRA: 0.50%180 day dividend
4 years$500$250$1000$5000.75% / IRA: 0.50%0.75% / IRA: 0.50%180 day dividend
5 years$500$250$1000$5001.25% / IRA: 1.00%1.24% / IRA: 1.00%180 day dividend

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