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Certificates of Deposit

Boost your savings with a Certificate! Enjoy guaranteed returns, flexible terms, and peace of mind, all while earning higher interest than a traditional savings account.

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Secure Your Savings with a UMCU Certificate Feature Image

Secure Your Savings with a UMCU Certificate

Looking for a secure way to grow your savings? A Certificate or Certificate of Deposit (CD) from UMCU offers higher interest rates than traditional savings accounts, giving your money the boost it deserves.

Whether you prefer monthly payouts or a lump sum at the end of your term, a UMCU CD is designed to help you easily achieve your financial goals.

Open an Account 

  • Flexible Terms: Select the timeframe that fits your goals
  • No-Risk Growth: Enjoy guaranteed returns without market volatility
  • Access Earned Interest Anytime: Withdraw earned interest without penalty*
  • Minimum Deposit to Open: Start with just $500
  • Financial Counseling: Let us assist you in your financial savings goals

Certificate Rates

Deposit Tier Term Interest Rate APY*
Certificate $500 minimum deposit 6 Month 2.60% 2.63%
12 Month 3.50% 3.56%
24 Month 2.66% 2.69%
36 Month 2.70% 2.73%
48 Month 2.70% 2.73%
60 Month 2.70% 2.73%
Certificate $10,000 minimum deposit 6 Month 2.70% 2.73%
12 Month 3.60% 3.66%
24 Month 2.76% 2.79%
36 Month 2.80% 2.83%
48 Month 2.80% 2.83%
60 Month 2.80% 2.83%
Certificate $100,000 minimum deposit 6 Month 2.80% 2.84%
12 Month 3.75% 3.82%
24 Month 2.86% 2.90%
36 Month 2.90% 2.94%
48 Month 2.90% 2.94%
60 Month 2.90% 2.94%
Term Interest Rate APY*
6 Month 2.60% 2.63%
12 Month 3.50% 3.56%
24 Month 2.66% 2.69%
36 Month 2.70% 2.73%
48 Month 2.70% 2.73%
60 Month 2.70% 2.73%
Term Interest Rate APY*
6 Month 2.70% 2.73%
12 Month 3.60% 3.66%
24 Month 2.76% 2.79%
36 Month 2.80% 2.83%
48 Month 2.80% 2.83%
60 Month 2.80% 2.83%
Term Interest Rate APY*
6 Month 2.80% 2.84%
12 Month 3.75% 3.82%
24 Month 2.86% 2.90%
36 Month 2.90% 2.94%
48 Month 2.90% 2.94%
60 Month 2.90% 2.94%

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and account resources.
View All Resources

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Savings Account

  • No Monthly Fee
  • No Minimum Deposit
  • Earn Interest on Deposited Funds
  • Sub-Savings Accounts for your Individualized Goals
  • Nationwide Fee-Free ATM Access
  • Financial Counseling Available
Money Market Savings Account

Money Market Savings Account

  • Tiered Earned Interest on Deposited Funds
  • No Monthly Fee
  • $500 Minimum Deposit to Open
  • Sub-accounts for Your Individualized Goals
  • Nationwide Fee-Free ATM Access
  • Financial Counseling Available

FAQs

With terms as short as six months, you can grow your savings quickly and confidently — all while keeping things simple. Here’s how it works:

  1. Choose your term length (6 months to 5 years)
  2. Deposit as little as $500 in new funds
 

Earn interest, compounded monthly, and watch your savings grow!

See All Questions

Disclaimer

APY = Annual Percentage Yield

*If you withdraw the principal funds prior to the maturity date, 90 days interest will be deducted from the balance of the account. 

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