Certificates

Lock in a great rate for your savings to earn more and keep your money safe. Choose from our variety of term lengths to find what works best for you.

Special Offer: Limited-time Special Certificate Rates

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Get a Guaranteed Return

Certificates offer a competitive, steady dividend rate for a fixed length of time and are best for money you don't need to access for a while. Each certificate is insured up to $250,000 by the NCUA, making it a very safe investment.

No monthly fee or maintenance fee
Flexible terms from 3 to 60 months
Minimum opening balance starts at $250
Higher rates available for Premium Checking members and certificates of $10,000 or more
Jumbo Certificates available for deposits over $250,000

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Couple views their UW Credit Union Visa rewards payout on a mobile device.

Compare Our Most Popular Certificates

In addition to our regular certificates, UW Credit Union offers several unique options with valuable features for specific savings needs.

Regular Certificate Learn More	Rate Bump Certificate Learn More	Smart Saver Certificate Learn More
Special Features
Range of terms to choose from	Rate is increased once during term	Deposits are allowed throughout term
Monthly Fee
$0	$0	$0
Minimum Opening Deposit
$500	$5,000	$250
Term Length Options
3, 6, 9, 12, 18, 24, 30, 36, 48, 60 months	24 months	12 (Smart Saver Plus only), 18, 30 months
Dividends Compounded
Daily	Daily	Daily

Compare certificates to other types of accounts.
Calculate how much you could save or see how long it will take you to reach your savings goal.

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Types of Certificates

Regular Certificate

A regular certificate is our most flexible and traditional option.

Low opening deposit requirement of $500
Term length choices of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months

Rate Bump Certificate

Increase your rate during the term to stay competitive in a rising rate environment.

$5,000 minimum opening deposit
24-month term
One rate increase allowed during the term

Smart Saver Certificate

Smart Saver allows deposits during the term. Establish a savings plan by setting up automatic transfers.

$250 minimum opening deposit when automatic transfers are set up ($500 minimum opening deposit without transfers)
18- or 30-month term
Deposits can be made anytime during term until 7 days before term ends

Smart Saver Plus Certificate

Perfect for the holidays! Smart Saver Plus allows deposits throughout the term PLUS penalty-free withdrawals during the month of December.

$250 minimum opening deposit when automatic transfers are set up ($500 minimum opening deposit without transfers)
12-month term
Deposits can be made anytime during term until 7 days before term ends
Penalty-free withdrawals are allowed during December ($250 minimum balance must remain in the certificate)

IRA Certificate

Combine the guaranteed return of a certificate with the tax advantages of an IRA to save for retirement.

Low opening deposit requirement of $500
Term length choices of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months
Potential tax advantages
Choose from a Traditional or Roth IRA
IRA Savings also available

How Much Could You Earn?

If you kept your deposit in a regular certificate, you could earn:

$5,000 Deposit	$10,000 Deposit
3-month certificate
$5.63	$12.51
12-month certificate
$35.12	$75.28
24-month certificate
$85.73	$181.63
48-month certificate
$254.25	$529.54
60-month certificate
$373.27	$773.44

^{Examples are for informational purposes only and are based on current rates. Estimated earnings do not account for any changes to your balance during the certificate term, such as deposits, withdrawals, and any associated early withdrawal penalties.}

Withdrawal Fees Explained

If you need to withdraw your funds before your certificate term has ended, you’ll likely forfeit some dividend earnings.

Certificate that is six or fewer days old | 7 days of dividends (will reduce principal)
Certificate that has a term of 12 months or less | 90 days of dividends
Certificate that has a term longer than 12 months | 180 days of dividends

Penalties may be waived in certain circumstances, including:

To purchase a home with a UW Credit Union mortgage
To manage medical or long-term care needs
To pay UW or Madison College tuition
To purchase an investment product through Investment Services at UW Credit Union

Open a Certificate

Getting Started Is Easy

1Log in to Web Branch.

If you're not a member yet, join today.
2Choose the account you want to open.

Most accounts can be opened online in just a few minutes.
3Transfer money into your new account.

Consider setting up recurring transfers to grow your savings automatically.