Certificates
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Special Offer: Limited-time Special Certificate Rates
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.
- 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

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 |
Rate Bump Certificate |
Smart Saver Certificate |
---|---|---|
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.
Types of Certificates
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
- 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
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
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1Log in to Web Branch.If you're not a member yet, join today.
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2Choose the account you want to open.Most accounts can be opened online in just a few minutes.
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3Transfer money into your new account.Consider setting up recurring transfers to grow your savings automatically.
Not yet a member? Establish your membership by opening a savings account online. After you've joined, you can easily open your certificate anytime via online and mobile banking.
