3.85% APY* 5-Month Fixed Rate Certificate
Available now through October 24, 2025.
Fall Into Higher Savings
With our promotional short-term certificate of deposit, you can lock in a competitive rate and gather the peace of mind that comes with guaranteed returns.
- $5,000 minimum & no maximum; One certificate per member
- New money not required - transfer your existing UNCLE funds!
- 0.25% rate bump offered for UNCLE Membership Rewards qualifiers
Elevate your savings with this limited-time offer.
Our 5-Month Fixed Rate Certificate can be opened online, by visiting one of our financial centers, or by calling 925-447-5001.
Interested in longer-term savings or variable rates? Learn more about our other Certificate of Deposit Options.
*APY = Annual Percentage Yield. 5-Month Promotional Share Certificate requires a minimum deposit of $5,000 and has no maximum deposit limit. Limit one 5-Month Promotional Share Certificate per member (unique SSN).
Offer is effective September 19, 2025, through October 24, 2025. Rate bump of 0.25% is available for members who qualify for the Membership Rewards Program. Qualifying for the UNCLE Membership Rewards Program means the member qualified for Loyalty Rewards, Premier Rewards, Platinum Rewards, or Ultimate Rewards in the previous qualification cycle (previous month).
At maturity, the promotional certificate balance will be transferred to a 6-month fixed rate certificate at the current rate offering. See rates for details. Substantial early withdrawal penalties apply to Share Certificates. IRA Share Certificates are not eligible for this promotion. Fees may reduce earnings. Federally insured by NCUA.
