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.
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.
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
How much can I 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the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day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
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 24 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.