A Share Certificate is the credit union version of a Certificate of Deposit (CD). It’s an account you deposit money into for a certain period of time. That money then earns dividends over that period. Your funds are fully insured by the federal government (NCUA) up to $250,000 so your money is safe and sound while the dividends compound every quarter. It’s a low-risk way to earn a high return on your money.

Here's How It Works

  • Deposit a minimum of $1,000 with a guaranteed Annual Percentage Yield1.
  • Collect dividends that are compounded and credited quarterly.
  • At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.

Benefits

  • Competitive dividend rates
  • No service fees2
  • Dividends can be kept in Certificate or transferred to another UTFCU account3
  • Automatic renewal or transfer at maturity3

 

Certificate Rates

Certificate Rates $1,000-$9,999
Effective Date: Monday, April 19th, 2021
TermRateAPY**
3 months 0.050 0.05%
6 months 0.100 0.10%
12 months 0.150 0.15%
18 months 0.200 0.20%
24 months 0.300 0.30%
30 months 0.350 0.35%
36 months 0.399 0.40%
48 months 0.449 0.45%
18 Month Educational IRA ($100 min. & $2,000 max.) 0.200 0.20%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

Certificate Rates $10,000-$49,999
Effective Date: Monday, April 19th, 2021
TermRateAPY**
3 months 0.050 0.05%
6 months 0.100 0.10%
12 months 0.150 0.15%
18 months 0.200 0.20%
24 months 0.300 0.30%
30 months 0.350 0.35%
36 months 0.399 0.40%
48 months 0.449 0.45%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

Certificate Rates $50,000 and over
Effective Date: Monday, April 19th, 2021
TermRate/APY**APY**
3 months 0.050 0.05%
6 months 0.100 0.10%
12 months 0.150 0.15%
18 months 0.200 0.20%
24 months 0.300 0.30%
30 months 0.350 0.35%
36 months 0.399 0.40%
48 months 0.449 0.45%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

1All certificates (with the exception of Educational IRA’s) require a $1,000 minimum.
2Early withdrawal penalties may apply. Contact a UTFCU representative for more information or refer to your account disclosure for term and early withdrawal penalties information.
3Certain restrictions may apply based upon Certificate terms. Dividends are calculated based upon Certificate terms. Contact a UTFCU representative for more information or refer to your account disclosure for term and maturity information.