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PHONE: (925) 447-5001
ROUTING #: 321173072
FRAUD CENTER

Certificates

Limited-Time Promotion

5-Month Fixed Rate Certificate at 4.00% APY* available through July 5, 2025!

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.

Share Certificates

Account TypeRate TypeMin. Opening BalanceMin. to Earn DividendDividend RateAPY
3 MonthFixed$1,500$1,5003.28%3.33%
6 MonthFixed$1,500$1,5002.85%2.89%
12 MonthFixed$1,500$1,5002.94%2.98%
12 MonthVariable$5,000$5,0004.00%4.07%
18 MonthFixed$5,000$5,0002.89%2.93%
24 MonthFixed$5,000$5,0003.25%3.30%
36 MonthFixed$5,000$5,0003.25%3.30%
48 MonthFixed$5,000$5,0002.47%2.50%
60 MonthFixed$5,000$5,0002.53%2.56%
*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.

Certificate Calculator

Certificate Calculator

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UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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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. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of July 11th, 2025

Uncle Credit Union BBB Business Review