Whether you have near-future plans or longer-term goals, we have options to help you earn more—sooner. Choose 3.65% APY for 5 months¹ if you want your funds available sooner, or 3.40% APY for 11 months² if you’re looking for more time to earn.
Put your savings to work—with options that fit your goals:
- Lock in predicable earnings
- More earning potential than a regular savings
- Federally insured by NCUA
- A safe way to grow your money
| 5-Month Share Certificate1 | 11-Month Share Certificate2 | |
|---|---|---|
| Annual Percentage Yield | 3.65% APY1 | 3.40% APY2 |
| Can use existing UNCLE money | Yes | Yes |
| Minimum deposit | $1,500 | $1,500 |
| Maximum deposit | None | None |
| Membership Rewards rate bump | 0.25% | 0.25% |
Learn more about earning a 0.25% rate bump with Membership Rewards.
APY = Annual Percentage Yield.
1. 5-Month Promotional Share Certificate requires a minimum deposit of $1,500 and has no maximum deposit limit. Certificate available as of May 27, 2026; subject to change or cancellation without notice. 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.
2. 11-Month Promotional Share Certificate requires a minimum deposit of $1,500 and has no maximum deposit limit. Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, the promotional certificate balance will be transferred to a 12-month fixed-rate certificate at the current rate offering. See rates for details.
Rate bump of 0.25% is available for members who qualify for the UNCLE 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). 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.
Limited-Time Offer Share Certificates
Go short for near‑term plans, go longer for steady growth—or both.
Whether you have near-future plans or longer-term goals, we have options to help you earn more—sooner. Choose 3.65% APY for 5 months¹ if you want your funds available sooner, or 3.40% APY for 11 months² if you’re looking for more time to earn.
Put your savings to work—with options that fit your goals:
- Lock in predicable earnings
- More earning potential than a regular savings
- Federally insured by NCUA
- A safe way to grow your money
| 5-Month Share Certificate1 | 11-Month Share Certificate2 | |
|---|---|---|
| Annual Percentage Yield | 3.65% APY1 | 3.40% APY2 |
| Can use existing UNCLE money | Yes | Yes |
| Minimum deposit | $1,500 | $1,500 |
| Maximum deposit | None | None |
| Membership Rewards rate bump | 0.25% | 0.25% |
Learn more about earning a 0.25% rate bump with Membership Rewards.
APY = Annual Percentage Yield.
1. 5-Month Promotional Share Certificate requires a minimum deposit of $1,500 and has no maximum deposit limit. Certificate available as of May 27, 2026; subject to change or cancellation without notice. 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.
2. 11-Month Promotional Share Certificate requires a minimum deposit of $1,500 and has no maximum deposit limit. Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, the promotional certificate balance will be transferred to a 12-month fixed-rate certificate at the current rate offering. See rates for details.
Rate bump of 0.25% is available for members who qualify for the UNCLE 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). 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.
