Bump Rate Share Certificate

Lock in a great rate now with the one–time option to bump it up to an even better rate during the term of your certificate.*Share Certificates, similar to a bank’s Certificate of Deposit (CD), offer low-risk opportunities for those USSFCU members who don’t need short-term access to their savings. Take advantage of the opportunity to earn a specific return at maturation along with the option to increase your rate once during the term of the certificate.

  • No set up or maintenance fees with a $1,000 minimum deposit
  • Eligible for a one-time rate increase during the certificate’s term without penalties*
  • Fixed dividend rates set higher than regular savings dividend rates
  • Wide range of terms available – 36, 48, and 60 months 
  • Dividend rates based on length of term and balance
  • Automatic renewal upon maturity**

*USSFCU makes no guarantee that bump rate share certificate holders will be able to exercise this option since there is no way of predicting future rates. 

**Member has 10 days from the maturity date to make changes with no penalty. Early withdrawal penalties may apply.

***APY = Annual Percentage Yield. A 60-month term bump rate certificate with a minimum balance of $60,000-$99,000 plus Jumbo will earn 2.18% APY. A 60-month term bump rate certificate with a minimum balance of less than $20,000 will earn 2.06% APY. See rates page for other terms available. Rates effective as of 07/01/17. Early withdrawal penalties may apply. Fees may reduce earnings.