Term Certificates
Build a better future, faster
Play the long game, the smart way.
A Term Certificate is a good option for any long-term investment or retirement plan. Give yourself something to feel confident about.
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Greater dividends
With higher dividend rates, your savings are going to grow faster.
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Earnings you can count on
Know exactly what you’ll earn, regardless of market changes.
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Federally insured by NCUA
At USECU, your funds are insured to at least $250,000 by NCUA.
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Savings on Your Terms
With flexible terms and investment amounts you can save the amount that’s right for you.
We’ve got options for you.
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Tomorrow looks good from here.
|
Term |
Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 3-5 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.20% |
APY 0.20% |
|
Term 3-5 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.20% |
APY 0.20% |
|
Term 3-5 Months |
Balance Over $10,000 |
Dividend Rate 0.30% |
APY 0.30% |
|
Term 6-11 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.30% |
APY 0.30% |
|
Term 6-11 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.30% |
APY 0.30% |
|
Term 6-11 Months |
Balance Over $10,000 |
Dividend Rate 0.40% |
APY 0.40% |
|
Term 12-23 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.50% |
APY 0.50% |
|
Term 12-23 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.50% |
APY 0.50% |
|
Term 12-23 Months |
Balance Over $10,000 |
Dividend Rate 0.55% |
APY 0.55% |
|
Term 24-35 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.65% |
APY 0.65% |
|
Term 24-35 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.65% |
APY 0.65% |
|
Term 24-35 Months |
Balance Over $10,000 |
Dividend Rate 0.70% |
APY 0.70% |
|
Term 36-59 Months |
Balance $1,000 - $2,499 |
Dividend Rate 0.75% |
APY 0.75% |
|
Term 36-59 Months |
Balance $2,500 - $9,999 |
Dividend Rate 0.80% |
APY 0.80% |
|
Term 36-59 Months |
Balance Over $10,000 |
Dividend Rate 0.85% |
APY 0.85% |
|
Term 60-120 Months |
Balance $1,000 - $2,499 |
Dividend Rate 1.00% |
APY 1.00% |
|
Term 60-120 Months |
Balance $2,500 - $9,999 |
Dividend Rate 1.05% |
APY 1.05% |
|
Term 60-120 Months |
Balance Over $10,000 |
Dividend Rate 1.15% |
APY 1.15% |
|
Term |
Balance |
Dividend Rate |
APY |
|---|---|---|---|
|
Term 13-Month |
Balance $10,000 - $24,999 |
Dividend Rate .15% |
APY .15% |
|
Term 13-Month |
Balance $25,000 - $49,999 |
Dividend Rate .20% |
APY .20% |
|
Term 13-Month |
Balance $50,000 - $99,999 |
Dividend Rate .30% |
APY .30% |
|
Term 24-Month |
Balance $10,000 - $24,999 |
Dividend Rate .50% |
APY .50% |
|
Term 24-Month |
Balance $25,000 - $49,999 |
Dividend Rate .55% |
APY .55% |
|
Term 24-Month |
Balance $50,000 - $99,999 |
Dividend Rate .60% |
APY .60% |
|
Term 36-Month |
Balance $10,000 - $24,999 |
Dividend Rate .80% |
APY .80% |
|
Term 36-Month |
Balance $25,000 - $49,999 |
Dividend Rate .85% |
APY .85% |
|
Term 36-Month |
Balance $50,000 - $99,999 |
Dividend Rate .90% |
APY .90% |
|
Term |
Dividend Rate |
APY |
|---|---|---|
|
Term 12 Months |
Dividend Rate .40% |
APY .40% |
|
Term |
Dividend Rate |
APY |
|---|---|---|
|
Term 12 Months |
Dividend Rate .65% |
APY .65% |
|
Term 18 Months |
Dividend Rate .70% |
APY .70% |
|
Term 24 Months |
Dividend Rate 0.80% |
APY 0.80% |
|
Term 60-120 Months |
Dividend Rate 1.15% |
APY 1.15% |
Need answers? We’ve got ’em.
Yes, there is a penalty to withdraw from a Term Certificate prior to its maturity date.
- For terms 12 months or less: 90 days’ worth of dividends.
- For terms 13 months or greater: 180 days’ worth of dividends.
It’s easy! If you’re already a member, simply give us a call at 866.873.4968.
Not yet a member? You’ll need to join the Credit Union before opening your certificate account. Click here to get the ball rolling, or call us at 866.873.4968. We’re here to help!
Yes! A broad range of investment options — including term certificates — are permitted in an Individual Retirement Account (IRA), and many experts recommend keeping at least some of your retirement savings in safe, federally-insured investments like Term Certificates. We recommend you check with your tax advisor and USECU Financial Consultant to see how Term Certificates might fit within your overall retirement plan.
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Disclosures
Must meet membership and account criteria. Rate terms and conditions subject to change. Early withdrawal penalties apply.
Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges for more information about fees.
1. Minimum additional deposit is $100, maximum $999.99. No additions can be made in the last 7 days before maturity. See account disclosure for additional information.
2. You have a one-time option to exchange the original dividend rate for the current rate offered during the first 12 months of the original term. See account disclosure for additional information.