Certificates | UW Credit Union

Special Offer: Limited-time Special Certificate Rates

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

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.

A regular certificate is our most flexible and traditional option.

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

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

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)

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

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

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.