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Earn 4.59% APY* with our 12-month Variable Certificate of Deposit.
It's the best way to grow your money fast in a rising rate environment.

Our Story

Open a certificate today by calling 925-447-5001 or visiting an UNCLE Financial Center. It's never been easier to grow your money fast and save for the future.

Find the Certificate that's right for you.

With a variety of certificate of deposit options ranging from 3 to 60 months fixed, we are sure there's a certificate option that will meet your needs.

  • Dividends are calculated daily and paid monthly (Fixed Certificates)
  • Dividends are calculated and compounded daily. Dividends are posted monthly (Variable Certificates)
A photo of a playful grandfather and granddaughter. They are casually dressed and playing in the park. They exercise together. A grandfather is exercising while granddaughters are sitting on his back.

Share Certificates

Account TypeRate TypeMin. Opening BalanceMin. to Earn DividendDividend RateAPYDividend Paid
3 MonthFixed$1,500$1,500.85%.85%Monthly
6 MonthFixed$1,500$1,5001.12%1.13%Monthly
12 MonthFixed$1,500$1,5002.25%2.27%Monthly
12 MonthVariable$5,000$5,0004.50%4.59%Monthly
18 MonthFixed$5,000$5,0002.58%2.61%Monthly
24 MonthFixed$5,000$5,0002.33%2.35%Monthly
36 MonthFixed$5,000$5,0002.14%2.16%Monthly
48 MonthFixed$5,000$5,0001.96%1.98%Monthly
60 MonthFixed$5,000$5,0002.00%2.02%Monthly
*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.

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. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of March 22nd, 2023

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