Personal
Savings Accounts

Share Certificates

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.

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  • 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**

*Penalty for early withdrawal depends on the term of the certificate and if the member is taking out the full balance.

**Member has 10 days from the maturity date to make changes with no penalty.