Share Certificates

Share Certificates

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.

More Details.

Enjoy Our Suite of Certificates

A stable and secure way to diversify your investment portfolio.

TRAD

Avoid the ups and downs of the market with a traditional certificate. Yields are paying out at record highs.

IRA

Looking for long-term security without the headache of a fluctuating market? Our IRA certificate is the solution.

BUMP

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.

BIZ

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?

800.374.2758  |  [email protected]  |  my.ussfcu.org

Not a USSFCU Member and not sure if you are eligible?

The fastest path to eligibility is through the VACC. Learn More

Once you establish eligibility, membership is the next step! Apply Now

RATES

CALCULATOR

  • 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.

Share Insurance Toolkit

* APY = Annual Percentage Yield. 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. Must maintain a certain level of account activity in order to avoid dormancy and possible escheatment of funds.You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. Early withdrawal penalties may apply. Changes without penalty are allowed ten days from the maturity date. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details.
 
1 A 36-month term share certificate with a balance of $200,000+ will earn 5.34% APY. A 3-month term share certificate with a minimum balance of less than $99,999 will earn 3.05% APY. The minimum balance required to open a share certificate is $1,000. Yield and Dividend rates as of September 01, 2023 and subject to change without notice.
 
Membership eligibility is required. All deposits are Federally insured by NCUA up to $250,000.
 

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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