APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.uwcu.org/rates/certificates
Read: 2026-10-22T14:31:08.000Z

Certificates Rates | UW Credit Union
4.07%
APY*
4.15%
3.92%
APY*
4.00%
3.44%
APY*
3.50%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
3.20%
APY*
3.25%
2.96%
APY*
3.00%
2.71%
APY*
2.75%
1.69%
APY*
1.70%
1.54%
APY*
1.55%
0.67%
APY*
0.67%
Type | Term | Minimum Balance | Dividend Rate | APY*
Specials | 14 Months | $5,000 | 4.07% | 4.15%
7 Months | $5,000 | 3.92% | 4.00%
Rate Bump 2 | 24 Months | $5,000 | 3.44% | 3.50%
No Penalty Certificate 3 | 9 Months | $5,000 | 3.20% | 3.25%
Regular | 60 Months | $500 | 3.20% | 3.25%
48 Months | $500 | 3.20% | 3.25%
36 Month | $500 | 3.20% | 3.25%
30 Month | $500 | 3.20% | 3.25%
24 Month | $500 | 3.20% | 3.25%
18 Month | $500 | 3.20% | 3.25%
12 Month | $500 | 3.20% | 3.25%
9 Month | $500 | 3.20% | 3.25%
6 Month | $500 | 2.96% | 3.00%
3 Month | $500 | 2.71% | 2.75%
Smart Saver 4 | 30 Months | $250 | 1.69% | 1.70%
18 Months | $250 | 1.54% | 1.55%
Smart Saver Plus 4 | 12 Months | $250 | 0.67% | 0.67%
4.11%
APY*
4.20%
3.97%
APY*
4.05%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.25%
APY*
3.30%
3.00%
APY*
3.05%
2.76%
APY*
2.80%
1.73%
APY*
1.75%
1.59%
APY*
1.60%
0.72%
APY*
0.72%
Type | Term | Dividend Rate | APY*
Specials | 14 Months | 4.11% | 4.20%
7 Months | 3.97% | 4.05%
No Penalty Certificate 3 | 9 Months | 3.25% | 3.30%
Regular | 60 Months | 3.25% | 3.30%
48 Months | 3.25% | 3.30%
36 Month | 3.25% | 3.30%
30 Month | 3.25% | 3.30%
24 Month | 3.25% | 3.30%
18 Month | 3.25% | 3.30%
12 Month | 3.25% | 3.30%
9 Month | 3.25% | 3.30%
6 Month | 3.00% | 3.05%
3 Month | 2.76% | 2.80%
Smart Saver 4 | 30 Months | 1.73% | 1.75%
18 Months | 1.59% | 1.60%
Smart Saver Plus 4 | 12 Months | 0.72% | 0.72%
4.16%
APY*
4.25%
4.02%
APY*
4.10%
3.54%
APY*
3.60%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.30%
APY*
3.35%
3.05%
APY*
3.10%
2.81%
APY*
2.85%
Type | Term | Dividend Rate | APY*
Specials | 14 Months | 4.16% | 4.25%
7 Months | 4.02% | 4.10%
Rate Bump 2 | 24 Months | 3.54% | 3.60%
No Penalty Certificate 3 | 9 Months | 3.30% | 3.35%
Regular | 60 Months | 3.30% | 3.35%
48 Months | 3.30% | 3.35%
36 Month | 3.30% | 3.35%
30 Month | 3.30% | 3.35%
24 Month | 3.30% | 3.35%
18 Month | 3.30% | 3.35%
12 Month | 3.30% | 3.35%
9 Month | 3.30% | 3.35%
6 Month | 3.05% | 3.10%
3 Month | 2.81% | 2.85%
*APY is Annual Percentage Yield. APY for all accounts is based on a 365-day year, and assumes that dividends remain in the account until maturity. Fees could reduce earnings on the account. Unless dissolved, UW Credit Union guarantees payments of dividends at the rates stated. Account rates are variable and may change after the account is opened.
3 No Penalty Certificate: No penalty for early withdrawal during the certificate term. Full or partial withdrawals may be made after the first 5 business days of the certificate term. If the withdrawal will reduce your certificate balance to a different APY tier, the entire balance must be withdrawn, and the certificate will be closed. Early withdrawal or termination can only occur in a branch, over the phone or by Web Branch Secure Message.