Share Certificates
NATIONAL RATES LEADER!!
At 3.51% - 3.63% APY, our 5-year Share Certificate rates rank as some of the best in the nation.
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. By opening an NCUA insured Share Certificate with USSFCU, members can be assured of a specific return upon the maturation of their Share Certificate term. USSFCU offers a variety of share certificate options, each with a unique term and interest rate. Below is the list of all USSFCU Share Certificate terms, account types and rates.
Minimum Balance: $1,000
| Term |
Type of Account |
APY1 |
Dividend Rate |
| 60 months & Up |
$60,000 - $99,999 plus Jumbo |
3.63% |
3.57% |
|
$20,000 - $59,999 |
3.57% |
3.51% |
|
less than $20,000 |
3.51% |
3.45% |
| 48 - 59 months |
$60,000 - $99,999 plus Jumbo |
3.08% |
3.03% |
|
$20,000 - $59,999 |
3.01% |
2.97% |
|
less than $20,000 |
2.95% |
2.91% |
| 36 - 47 months |
$60,000 - $99,999 plus Jumbo |
2.77% |
2.73% |
|
$20,000 - $59,999 |
2.71% |
2.67% |
|
less than $20,000 |
2.64% |
2.61% |
| 24 - 35 months |
$60,000 - $99,999 plus Jumbo |
2.49% |
2.46% |
|
$20,000 - $59,999 |
2.44% |
2.41% |
|
less than $20,000 |
2.39% |
2.36% |
| 12 - 23 months |
$60,000 - $99,999 plus Jumbo |
2.29% |
2.26% |
|
$20,000 - $59,999 |
2.23% |
2.21% |
|
less than $20,000 |
2.18% |
2.16% |
| 6 - 11 months |
$60,000 - $99,999 plus Jumbo |
1.60% |
1.59% |
|
$20,000 - $59,999 |
1.56% |
1.55% |
|
less than $20,000 |
1.52% |
1.51% |
| 3 - 5 months |
$60,000 - $99,999 plus Jumbo |
1.16% |
1.15% |
|
$20,000 - $59,999 |
1.11% |
1.10% |
|
less than $20,000 |
1.06% |
1.05% |
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Details
- No set up or maintenance fees with a $1,000 minimum deposit
- Fixed interest rates set higher than regular savings dividend rates
- Wide range of terms available – 3 months to 5 years
- Interest rates based on length of term
- Early withdrawals subject to penalty**
- Automatic renewal upon maturity***
Our Rate vs The Competition
Compare how USSFCU Savings Rates Stack Up Against the Competition.
| Financial Institution | Primary Savings | Money Markets | 5 Year Certificates |
|---|
| USSFCU |
0.40% APY |
1.27% APY |
3.63% APY |
| Congressional FCU |
0.15% APY |
0.75% APY |
2.75% APY |
| Library of Congress FCU |
0.20% APY |
1.11% APY |
2.93% APY |
| Navy Federal |
0.25% APY |
0.85% APY |
3.10% APY |
| Bank of America |
0.03% APY |
0.02% APY |
0.75% APY |
| Citibank |
0.13% APY |
0.01% APY |
0.80% APY |
| Wells Fargo |
0.01% APY |
0.01% APY |
2.50% APY |
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to take advantage of these great rates.
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APY=Annual Percentage Yield. Comparison rates are based on information retrieved from each individual institution's website as of 10/01/2018.
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*APY = Annual Percentage Yield. A 60-month term share certificate with a minimum balance of $60,000 will earn 3.63% APY. A 60-month term share certificate with a minimum balance of $1,000 will earn 3.51% APY. Rates effective as of 10/01/2018. Rates are subject to change without notice. Early withdrawal penalties may apply. **Withdraws and fees may reduce earnings. The minimum balance required to open a share certificate is $1,000.00. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. 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.
USSFCU rates effective as of October 1, 2018 and subject to change without notice. Fees may reduce earnings.
