Certificates of Deposit
Get more out of your money. Our Certificates of Deposit are a great solution for members seeking the highest guaranteed yields from insured deposit accounts. This is ideal for protection yourself against inflation and market ups and downs.
- 3-month to 60-month certificate terms available
- Options for fixed and variable rates
- Minimum deposits as low as $1,500*
- 0.25% rate bump offered for UNCLE Membership Rewards qualifiers
Certificates of Deposit with a term of 12-months or less can be opened online. To open a Certificate of Deposit with a term of 18-months or more, login to your UNCLE Digital Banking Account and select "Quick Apply", visit one of our financial centers or call 925-447-5001.
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| Account Type | Rate Type | Min. Opening Balance | Min. to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|---|---|
| 3 Month | Fixed | $1,500 | $1,500 | 3.28% | 3.33% |
| 6 Month | Fixed | $1,500 | $1,500 | 2.85% | 2.89% |
| 12 Month | Fixed | $1,500 | $1,500 | 2.94% | 2.98% |
| 12 Month | Variable | $5,000 | $5,000 | 4.00% | 4.07% |
| 18 Month | Fixed | $5,000 | $5,000 | 2.89% | 2.93% |
| 24 Month | Fixed | $5,000 | $5,000 | 3.25% | 3.30% |
| 36 Month | Fixed | $5,000 | $5,000 | 3.25% | 3.30% |
| 48 Month | Fixed | $5,000 | $5,000 | 2.47% | 2.50% |
| 60 Month | Fixed | $5,000 | $5,000 | 2.53% | 2.56% |
