3.35% APY* 7-Month Fixed Rate Certificate
Put your savings on a stronger track—without the long wait.
With our promotional certificate of deposit, you can lock in a competitive rate and gather the peace of mind that comes with the returns you want.
- $5,000 minimum and no maximum deposit limit
- New money not required - transfer your existing UNCLE funds!
- 0.25% rate bump offered for UNCLE Membership Rewards qualifiers**
Get started with ease.
Our 7-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. 7-Month Promotional Share Certificate requires a minimum deposit of $5,000 and has no maximum deposit limit.
7-Month Certificate available as of February 2, 2026; subject to change or cancellation without notice. 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.
To become a member of UNCLE Credit Union, please view our membership eligibility, requirements, and account opening process.
**Membership Rewards Program: Eligibility & Restrictions as of September 30, 2024.
Eligibility to receive any program rewards, including monthly cash back, requires an active membership account with a Primary Savings account and minimum balance of $5.00. Membership restrictions may apply. Account approval, conditions, qualifications, limits, time frames, enrollments, logins, and other requirements apply. Limit of 1 reward per membership number, per month. Eligibility is determined based on monthly qualifying activity, per membership number. Required balances, transactions, and enrollments must be present on a single membership number to receive rewards. Eligibility criteria will not be aggregated from multiple membership numbers. Multiple membership accounts which meet all eligibility requirements per membership number can earn a monthly reward on more than one membership account. Each Monthly Qualification Cycle is calculated on the last day of the month based on balances, transaction activity, and required enrollments. A delinquency of 60 days or greater on any loan with UNCLE Credit Union during a Monthly Qualification Cycle will disqualify a membership account from earning rewards. Loans must be brought current in future eligibility cycles, along with meeting other eligibility requirements, to earn a future reward. The Membership Rewards program and benefits are subject to change at any time. Visit www.unclecu.org/membership-rewards for additional eligibility and restriction disclosures.
