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Earn 5.38% APY* with our 12-month Variable Certificate.
It's the savvy way to grow your money fast.

Our Story

Open a certificate today by calling 925-447-5001 or visiting an UNCLE Financial Center. It's never been easier to grow your money fast and save for the future.

Get More from Your Money with our Variable Rate Certificate

A minimum opening balance of $5,000 and maintained throughout the 12-month term is required to earn dividends.

  • Dividends are posted monthly for variable certificates
  • Have peace of mind knowing your funds are federally insured by NCUA
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See our Fixed-Rate Certificate Options.

With a variety of certificate of deposit options ranging from 3 to 60 months fixed, we are sure there's a certificate option that will meet your needs.

Share Certificates

Account TypeRate TypeMin. Opening BalanceMin. to Earn DividendDividend RateAPY
3 MonthFixed$1,500$1,5003.38%3.43%
6 MonthFixed$1,500$1,5002.28%2.30%
12 MonthFixed$1,500$1,5003.57%3.63%
12 MonthVariable$5,000$5,0005.25%5.38%
18 MonthFixed$5,000$5,0003.49%3.55%
24 MonthFixed$5,000$5,0003.09%3.13%
36 MonthFixed$5,000$5,0002.71%2.74%
48 MonthFixed$5,000$5,0003.02%3.06%
60 MonthFixed$5,000$5,0003.22%3.27%
*APY= Annual Percentage Yield. The dividend rates and annual percentage yields stated above may change at any time. Substantial early withdrawal penalties apply to IRA Share Certificates and Share Certificates. Fees may reduce earnings. The Variable Rate 12 Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6 month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of September 21st, 2023

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