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.

Click Here to Print Our Savings Rates

USSFCU rates effective as of October 1, 2018 and subject to change without notice. Fees may reduce earnings.

  • 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***


Our Rate vs The Competition

Compare how USSFCU Savings Rates Stack Up Against the Competition.

Financial InstitutionMoney Markets5 Year CertificatesPersonal Bump Rate Certificates
USSFCU 1.27% APY 3.63% APY 3.43% APY
Congressional FCU 0.85% APY 2.90% APY 2.25% APY
Library of Congress FCU 1.11% APY 3.03% APY N/A
Navy Federal 0.95% APY 3.10% APY N/A
Bank of America 0.02% APY 0.75% APY N/A
Citibank 0.01% APY 1.50% APY N/A
Wells Fargo 0.01% APY 2.60% APY 1.78% APY

Call 800.374.2758 or email services@ussfcu.org

to take advantage of these great rates.

APY=Annual Percentage Yield. Comparison rates are based on information retrieved from each individual institution's website as of 12/03/2018. 

*APY = Annual Percentage Yield. A 60-month term bump rate certificate with a minimum balance of $60,000-$99,000 plus will earn 3.43% APY. A 60-month term bump rate certificate with a minimum balance of less than $20,000 will earn 3.30% APY. See rates page for other terms available. Rates effective as of 10/01/2018.

**During the term of your Bump Rate Share Certificate, you are permitted to make a one-time request to adjust your dividend rate at your discretion. To adjust the rate on the Bump Rate Share Certificate, an owner of the Certificate must contact the Credit Union to request the increase. The rate of the Bump Rate Share Certificate will be adjusted on the date the Credit Union receives the request. The rate will be adjusted to the rate currently in effect for our Bump Rate Share Certificate at the time the request is made. When you elect to exercise the Bump Rate Option, the new dividend rate will be paid for the remaining term of your account. A one-time dividend rate increase will not extend the maturity date of your account. The Credit Union makes no guarantee you will be able to exercise this option since future dividend rates cannot be predicted. Early withdrawal penalties may apply if funds are accessed before the Certificate’s date of maturity. On the maturity date the Certificate balance will be renewed as a Bump Rate Share Certificate for the same term. The renewed Certificate will have the Bump Rate option. A minimum deposit of $1,000 is required to open and maintain a Bump Rate Share Certificate. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. The APY assumes dividends will remain on deposit until maturity. The dividend period on your account begins from the date that your account is opened and ends on the maturity date, unless renewed.

***Member has 10 days from the maturity date to make changes with no penalty. The Bump Rate Share Certificates may not be pledged as collateral for shared secured loans with the Credit Union.