EARN 2.00% APY & SAVE FOR A SUNNY DAY

Start earning a guaranteed high rate with as little as $500

Promotional Certificate promo image

Save more with our limited-time 13-month Term Share Certificate

You've got big dreams. We want to help you make them come true. That's why we're offering you an opportunity to grow your money faster and keep it safer with our limited-time, high-yield 13-month term certificate.

SAVE FOR WHATEVER IS IMPORTANT TO YOU AND YOUR FAMILY, INCLUDING:

A NEW HOME
A COLLEGE EDUCATION
A VACATION

Don't miss your chance to enjoy:

A SPECIAL RATE.

2.00% APY guaranteed for 13 months.*

A LOW MINIMUM CONTRIBUTION.

Open now with as little as $500.

RISK-FREE INVESTMENT.

Funds are insured to at least $250,000 by the NCUA.

What is a term certificate?

A term or share certificate is a type of high-yield savings account. When you open a term certificate, you agree to leave the funds in the account for a set amount of time. In return for this commitment, you can expect to earn more than you would with a typical savings account.

With a term certificate, there are no surprises: You earn a guaranteed rate and your money is safe - no matter what's going on with the economy. This makes term certificates the best savings accounts for people who want a safe way to earn more. With a share certificate, there are no surprises: You earn a guaranteed rate and your money is safe - no matter what's going on with the economy. This makes share certificates the best savings accounts for people who want a safe way to earn more.

Earn 20x more than the average savings account

After the 13 months, you'll have:

  This Offer Average Savings Account
Annual Percentage Yield (APY) 2.00% .10**%
Invest $500 $510.92 $500.54
Invest $2,500 $2,554.62 $2,502.71
Invest $10,000 $10,218.48 $10,010.84
Invest $50,000 $51,092.40 $50,054.19

Why should I open a term certificate with USE Credit Union?

Banks offer a similar product, called a certificate of deposit, or CD. But unlike a bank, whose goal is to make money for its shareholders, USE Credit Union is a not-for-profit credit union devoted to our members. That means we can offer term certificate rates that are higher than the best CD rates most banks can offer. We combine that with friendly, personal service and advanced banking technology to help our members achieve their dreams.

This offer won't last forever

Open your 2.00% APY 13-month term certificate online or at a local branch today.

* Limited time offer. New money only. Must meet membership criteria. Minimum 18 years of age. USE Credit Union checking account with direct deposit of $500 or more required per month. APY = Annual Percentage Yield. The quoted Term Certificate Annual Percentage Yields are accurate as of 5/15/2019 and assume that earnings remain on deposit until maturity. Early withdrawal penalties apply. Account will automatically roll over to a corresponding 12-month non-promotional certificate at maturity.

** Information regarding national rate averages from Bankrate.com as of 04/30/19