Investment & Retirement Planning
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Earn up to 2.50% APY* on new funds not currently deposited at UICCU, when you have a minimum deposit of $1,000. If you want to use existing funds at UICCU then you will earn 2.00% APY on a minimum deposit of $1000!
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 length||Minimum Deposit||APY||Dividend Rate||Early withdrawal penalty|
|90 days||$1000||0.15%||0.15%||90 day dividend|
|6 months||$1000||0.20%||0.20%||90 day dividend|
|1 year||$500||0.25%||0.25%||180 day dividend|
|2 years||$500||0.50%||0.50%||180 day dividend|
|3 years||$500||0.75%||0.75%||180 day dividend|
|4 years||$500||1.00%||1.00%||180 day dividend|
|5 years||$500||1.50%||1.492%||180 day dividend|
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 Length||Minimum Deposit for IRA||Minimum Deposit for ESA||APY||Dividend Rate||Early Withdrawal Penalty|
|1 Year||$1000||$500||0.25%||0.25%||180 Day Dividend|
|2 Years||$1000||$500||0.50%||0.50%||180 Day Dividend|
|3 Years||$1000||$500||0.75%||0.75%||180 Day Dividend|
|4 Years||$1000||$500||1.00%||1.00%||180 Day Dividend|
|5 Years||$1000||$500||1.50%||1.492%||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.
*APY = Annual Percentage Yield. Offer good on 15 month Silver Share Certificate only, excludes IRA Certificates. Balance requirements: Minimum $1,000.00. ±To earn 2.50% APY, source of funds for 15 month certificate must not be from any current UICCU deposit account. Earn 2.00% APY on funds currently at UICCU. At maturity, if member elects no other option, all principal and dividends earned within the 15-month certificate will automatically renew and be converted to a 24-month Silver Share certificate at current published rates. New 24-month certificate will be issued under the member number that the original 15-month certificate was established. All other terms and conditions of the certificate are defined in the Silver Share Certificate Disclosure and Rate and Fee Schedule. No other rate adjustments, bonuses, or pricing available. Early withdrawal penalties may apply. Rates subject to change. This promotion is subject to change and may be withdrawn at any time. Other restrictions may apply. Limited Time Offer.