A National Leader in Share Certificate Rates
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 $200,000 or more. Traditional IRA, Roth IRA, and Bump Rate certificates are also available.
Enjoy Our Suite of Certificates
A stable and secure way to diversify your investment portfolio.
Avoid the ups and downs of the market with a traditional certificate. Yields are paying out at record highs.
Looking for long-term security without the headache of a fluctuating market? Our IRA certificate is the solution.
Secure a great rate now with the one-time option to bump it up to an even better rate during the term of your certificate.
Our business certificates offer your business secure and stable solutions for both short and long-term goals.
Need a little guidance or would like to open up a certificate now?
Not a USSFCU Member and not sure if you are eligible?
The fastest path to eligibility is through the VACC. Learn More
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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.