Earn more with a USSFCU Share Certificate
Similar to a bank’s Certificate of Deposit (CD), USSFCU Share Certificates offer low-risk investment opportunities for 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.
Open a USSFCU share certificate with a low minimum deposit requirement and choose from a variety of terms ranging from three months to five years. Plus, enjoy higher rates of return for accounts with “jumbo” balances of $100,000 or more. Traditional IRA, Roth IRA, and Bump Rate certificates are also available.
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- No setup or maintenance fees, with a $1,000 minimum deposit
- Fixed dividend rates are set higher than regular savings dividend rates
- Wide range of terms available – 3 months to 5 years
- Dividend rates based on the length of the term
- Early withdrawals are subject to penalty**
- Automatic renewal upon maturity***
Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.
For questions about the NCUA’s share insurance coverage, call 1.800.755.1030, option 1, Monday through Friday, 8 a.m. to 5 p.m. Eastern, or send an email to [email protected]. This toolkit contains a variety of helpful resources for credit unions regarding the Share Insurance Fund.
Share Insurance Toolkit from MyCreditUnion.gov
The toolkit has great resources like estimators, publications, videos and more.