One-time Bump Share Certificates

Waiting for the right time to start your savings?

With terms from 6 months to 5 years and a new lower threshold of $500, University Credit Union’s Bump CD’s just got better! You can start saving today and if the rate increases during your term, you can bump up to the higher rate!

Start saving for that dream home or vacation!

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  • Regular & Traditional IRA Bump Certificates
  • 6 months to 5 year terms*
  • One-time bump during your term**
  • $500 minimum balances to open

Visit your local branch or call us at 801-481-8800 to get started.

Calculate Your Savings

*At maturity, certificates will renew to a Regular Certificate Account with the same term as the original term.  You may incur a penalty on dividends should you choose to withdraw your money before the completion of the term.

**The One-time Bump Share Certificate is not automatically renewable.  At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. 

CURRENT RATES*

Regular Certificates

Rates effective 04/01/2017
Term Rate APY
6 months 0.75% 0.75%
12 months 1.24% 1.25%
18 months 1.29% 1.30%
24 months 1.49% 1.50%
30 months 1.59% 1.60%
36 months 1.74% 1.75%
48 months 1.98% 2.00%
60 months 2.47% 2.50%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a Regular Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term. Not available for financial institutions or other institutional investors.

12-Month Access Certificates

Rates effective 04/01/2017
Term Rate APY
12 months 1.09% 1.10%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. You will incur a penalty should you close your account before the completion of the term. Not available for financial institutions or other institutional investors.

Regular Bump Certificates

Rates effective 04/01/2017
Term Rate APY
6 months 0.70% 0.70%
12 months 1.19% 1.20%
18 months 1.24% 1.25%
24 months 1.44% 1.45%
30 months 1.54% 1.55%
36 months 1.69% 1.70%
48 months 1.93% 1.95%
60 months 2.42% 2.45%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a Regular Bump Certificate Rates is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

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*U Save Conditions: A monthly automatic deposit must be set up on this account. The U Save account will automatically renew if a withdrawal request is not made by member upon maturity. Notice of maturity will be made 13 days prior to maturity date to address on file. Early withdrawal penalties may apply.

*Crimson Rewards Visa: Visit our Visa Rewards site to view the awards catalog or to learn more about the program rules and details.

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