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Overview
4.10% APY
8-Month Certificate2
Contact Us
$5,000 minimum balance
All funds must be from another financial institutionCertificates 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
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Log-in to Online Banking to open a certificate instantly!
Click “Create Share” on your dashboard to get started.Better service than the banks on a constant basis.
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Rates
Special Certificate Rates
Special Certificate** Min. Balance to Earn Stated APY APY* Regular 8-Month
$5,000.00 4.10% Contact Us Open Online
Log-in to Online BankingRegular 11-Month
$1,000.00 3.77% Contact Us Open Online
Log-in to Online BankingIRA 11-Month
$1,000.00 3.77% Contact Us Open Online
Log-in to Online Banking*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 7/8/2026 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
**While supplies last. 8-Month Special Certificate: $5,000 minimum balance, and all funds must be from another financial institution. 11-Month Special Certificate: $1,000 minimum balance. Offer, terms, and rates are subject to change without notice.Regular Certificate Rates
Regular Certificates Min. Balance to Earn Stated APY APY* 6 to 11 months
$500.00 1.50% Contact Us 12 to 17 months
$500.00 2.75% Contact Us 18 to 23 months
$500.00 2.75% Contact Us 24 to 29 months
$500.00 2.75% Contact Us 30 to 35 months
$500.00 2.75% Contact Us 36 to 47 months
$500.00 2.75% Contact Us 48 to 59 months
$500.00 2.50% Contact Us 60 months
$500.00 2.50% 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 2/13/2023 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 17 months (IRA)
$500.00 2.75% Contact Us 18 to 23 months (IRA)
$500.00 2.75% Contact Us 24 to 29 months (IRA)
$500.00 2.75% Contact Us 30 to 35 months (IRA)
$500.00 2.75% Contact Us 36 to 47 months (IRA)
$500.00 2.75% Contact Us 48 to 59 months (IRA)
$500.00 2.50% Contact Us 60 months (IRA)
$500.00 2.50% 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 2/13/2023 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?
* 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 8/1/24 and are subject to change without prior notice.
Special Certificates
2) Annual Percentage Yield (APY). 8-Month Special Certificate: $5,000 minimum balance, and all funds must be from another financial institution. 11-Month Special Certificate: $1,000 minimum balance. Unless otherwise paid, dividends will be credited and compounded monthly. Fees or other conditions could reduce earnings on the account. A penalty may be imposed for withdrawals before maturity. Rate is accurate and effective as of 7/8/26 and subject to change without prior notice. While supplies last.
