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BUILD WEALTH FOR THE FUTURE

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Build Your Savings With Certificates


UFirst Can Help You Save With Confidence

With UFirst Certificate products, you can build your savings with confidence. Our payout rates are always competitive so you're always earning on the money you save, and your investments are protected by the NCUA. 

Our team of financial experts can help you choose the best Certificate product for your lifestyle and savings goals. Contact us today, or learn more about our Certificates below. 

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UFirst 15-Month Certificate Promotion

 

Earn Better Dividends.

  • Get a 15-month Share Certificate at the 30-month rate
  • Earn higher dividends for 15 months
  • Rollover your Certificate and renew with a 12-month term at the prevailing 24-month rate
  • Earn higher dividends for another 12 months

As of May 25, 2022, the 30-month Certificate rate is 1.95% APY

Learn More

*Promotion starting 05/25/2022. Offer subject to change or closure without prior notice. Rates are subject to change at any time and without prior notice. Most current rates found HERE. Deposits (*new money) must consist of funds not previously held at UFirst Credit Union. Early withdrawal penalties may apply and reduce earnings and principal. Membership required and member must remain in good standing. At the 2nd auto-renewal, certificate will revert to a regular 12-month certificate at the current 12-month rate. Other restrictions may apply.


Regular Share Certificate

With a UFirst Regular Share Certificate, you can pick the term that fits your needs. We'll present you with all of our terms, rates and options so you can choose the best savings solutions for your situation.


You set the term, we pay the rate.

  • Fixed dividend rates
  • Terms from 6-months to 5-years*
  • $500 minimum balances to open
  • No maintenance fee

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12-Month Access Share Certificate

Don't sacrifice rate or access. Get the best of both with our 12-Month Access Certificate which pays a competitive rate while keeping your savings accessible.


With the 12-Month Access Certificate* you can:

  • Open with as little as $500
  • Access your funds with one penalty-free withdrawal each quarter**
  • Competitive fixed dividend rates

* A minimum balance of $100 must be maintained in the certificate.  Certificate will stay an access certificate at maturity.
**Members have one penalty-free withdrawal per calendar quarter.  Additional withdrawals may incur a penalty on dividends if exceeds one per calendar quarter.
*You may incur a penalty on dividends should you choose to withdraw your money before the completion of the term.

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How much can I save?

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Years to Save

"One-Time Bump" Share Certificate

With terms from 6 months to 5 years and a new lower threshold of $500, UFirst Credit Union’s Bump Certificates just got better! You can start saving today and if the rate increases during your term, you can bump up to the higher rate!


Start saving for that dream home or vacation!

  • Regular & Traditional IRA Bump Certificates
  • 6 months to 5 year terms*
  • One-time bump during your term**
  • $500 minimum balances to open

* The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. You may incur a penalty on dividends should you choose to withdraw your money before the completion of the term.

** This Certificate is allowed a one-time dividend rate increase (bump) which must be initiated by an account owner. When the one time bump option is exercised by the account owner, the rate will change to the current rate of the Regular Certificate of the same term length
 

U Save Account

happy family opens a USave account

Earns dividends like a certificate account, but gives you the flexibility of a high-yield savings account.


A great way to save for a big purchase, down payment, or vacation

  • As little as $10 balance to get started
  • Choose your own term, from three to 60 months
  • Set up automatic transfers from another account
  • Earn competitive dividends

Conditions: A monthly automatic deposit must be set up on this account. The U Save account will automatically renew if a withdrawal request is not made by member upon maturity. Notice of maturity will be made 13 days prior to maturity date to address on file. Early withdrawal penalties may apply. 

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