Certificates of Deposit (CD’s) are an excellent savings tool.
Benefits:
- CD’s earn a higher rate of return than regular savings
- $1,000 minimum balance
- Terms of 6 months, 1 year or 2 years
- You can set aside funds for future goals
- All accounts are insured up to $250,000
- No service charge
| Term | Rate | APY* |
|---|---|---|
| Six Month ($1,000 minimum) | 3.21% | 3.25% |
| One Year ($1,000 minimum) | 2.72% | 2.75% |
| Two Year ($1,000 minimum) | 2.62% | 2.65% |
| The APY* is accurate as of October 16, 2025 | ||
| *Annual Percentage Yield | ||
Your initial $25.00 deposit into your savings account does more than open your account. It makes you an owner of University Federal Credit Union. As a member owner you are entitled to a number of benefits and CU services. One benefit is a quarterly savings dividend. This dividend is tiered based on the amount of money in your savings account.
| Amount | Rate | APY* |
|---|---|---|
| $25.00 to $2,499.99 | 0.35% | 0.35% |
| $2,500.00 to $9,999.00 | 0.40% | 0.40% |
| $10,000.00 and over | 0.45% | 0.45% |
| Declared Dividends for Third Quarter 2025 | ||
| *Annual Percentage Yield | ||
Looking to set aside funds for a vacation, home remodel, child or grandchild? Open a sub-savings account with UFCU and name the account to match the purpose. Funds may be directly deposited to these accounts from payroll deduction.
Calculators
Multiple Deposit Savings Calculator (new window/tab)
Single Deposit Savings Calculator (new window/tab)