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.

Earn on your terms, with the rate and flexibility you want.

  • Higher dividend rates
  • Guaranteed earnings regardless of market conditions
  • Funds Insured up to $250,000 by NCUA
  • Can be used to secure a loan

We give you three different options, each one a smart addition to any long-term investment or retirement plan. Simply choose the option that's best for you.

  Standard Add-On Option Rate
Overview Our most popular way to save with a full range of terms Make additional deposits to increase your savings potential Take advantage of rising yields with a one-time option to increase your rate
Minimum Opening Deposit $1,000 $250 $10,000
Tiered Dividends Yes   Yes
Terms Available 90 days – 10 years 12 months 13, 24 & 36 months
Dividend Withdrawals Yes    
IRA Friendly Yes   Yes
Rates View Rates

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  1. Additional deposits accepted before first rate adjustment, if any, but no later than 12 months after your initial deposit.