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Overview
Certificates from UHFCU
Reap the benefits of saving by locking in a high rate for a set term. Whether it’s with a regular or an IRA Certificate, you’ll have a safe way to grow your money and watch your profits bloom!
Lock in your funds to get more from your money.
- Terms from 6 months to 5 years
- As low as $500 minimum balance
- High yield returns
- Dividends credited and compounded monthly
Better service than the banks on a constant basis.
- UHFCU MemberBump-Up Certificate**
Give Your Rate a One-Time Boost! Enjoy the safety and security of knowing your deposits are federally insured and will not lose value. Plus, lock in the current rate now, with the option of a one-time rate increase during your Bump-Up Certificate’s term. If interest rates go up, simply choose to bump up to a higher rate!
- 21-month term
- 2.20% APY
- $1,000 minimum balance
- Regular & IRA Certificates
** Annual Percentage Yield (APY) accurate as of 1/28/2019. $1,000 minimum balance. IRAs have contribution limits set by the Federal Government. Available for new money only. Bump-Up Certificates allow a one-time rate increase corresponding with the current advertised 2-year fixed-rate UHFCU certificate. The new rate will remain in effect until the certificate maturity date. Dividends compounded and credited monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. May not be combined with other rates or offers. Offer, terms, and rate subject to change without notice.
Special Certificate***
Get more from your money with our Special Certificate terms and rates!
- 2.20% APY for 11-month term
- $5,000 minimum balance
*** Annual Percentage Yield (APY) accurate as of 1/28/2019. $5,000 minimum balance. IRAs have contribution limits set by the Federal Government. Available for new money only. Dividends compounded and credited monthly. A penalty may be imposed for early withdrawals. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.
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Rates
Special Certificate Rates
Special Certificate** Min. Balance to Earn Stated APY APY* Regular 11-Month
$5,000.00 2.20% Contact Us IRA 11-Month
$5,000.00 2.20% Contact Us APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 1/28/2019 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
** $5,000 minimum balance. Available for new money only. Dividends compounded and credited monthly. A penalty may be imposed for early withdrawals. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.Bump-Up Certificate Rates
Bump-Up Certificate** Min. Balance to Earn Stated APY APY* Regular 21-Month
$1,000.00 2.20% Contact Us IRA 21-Month
$1,000.00 2.20% Contact Us *Annual Percentage Yield (APY) accurate as of 1/28/2019. **$1,000 minimum balance. IRAs have contribution limits set by the Federal Government. Available for new money only. Bump-Up Certificates allow a one-time rate increase corresponding with the current advertised 2-year fixed-rate UHFCU certificate. The new rate will remain in effect until the certificate maturity date. Dividends compounded and credited monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. May not be combined with other rates or offers. Offer, terms, and rate subject to change without notice.
Regular Certificate Rates
Regular Certificates Min. Balance to Earn Stated APY APY* 6 to 11 months
$500.00 0.75% Contact Us 12 to 17 months
$500.00 1.00% Contact Us 18 to 23 months
$500.00 1.00% Contact Us 24 to 35 months
$500.00 1.25% Contact Us 36 to 47 months
$500.00 1.50% Contact Us 48 to 59 months
$500.00 1.75% Contact Us 60 months
$500.00 2.25% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 12/1/2018 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
IRA Certificate Rates
IRA Certificates Min. Balance to Earn Stated APY APY* 12 to 23 months (IRA)
$500.00 1.00% Contact Us 24 to 35 months (IRA)
$500.00 1.25% Contact Us 36 to 47 months (IRA)
$500.00 1.50% Contact Us 48 to 59 months (IRA)
$500.00 1.75% Contact Us 60 months (IRA)
$500.00 2.25% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 12/1/2018 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
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Calculator
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FAQ
FAQs
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Is there a penalty for early withdrawal?
Yes, a penalty may be imposed for withdrawals before maturity.
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When is interest paid on a Certificate?
Dividends for all Certificates will be credited to your account and compounded monthly.
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Is there a penalty for early withdrawal?
Watch your money grow!
* Existing members only. APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of the date indicated and are subject to change without prior notice.