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Source: https://unitedfcu.com/personal/bank/share-certificates
Read: 2026-10-22T16:54:02.000Z

Pair a certificate special with an Ultra Checking account and earn up to 4.10% APY¹ for 7 months, or 4.10% APY¹ for 21 months. IRA eligible.
Type | Dividend Rate | APY1 | APY with Bonus Rate2
7 Month Special | 3.941% | 4.00% | 4.10%
21 Month Special | 3.941% | 4.00% | 4.10%
60 Months | 2.084% | 2.10% | 2.20%
48 Months | 2.034% | 2.05% | 2.15%
36 Months | 1.985% | 2.00% | 2.10%
24 Months | 1.837% | 1.85% | 1.95%
18 Months | 1.640% | 1.65% | 1.75%
12 Months | 1.590% | 1.60% | 1.70%
6 Months | 1.541% | 1.55% | 1.65%
3 Months | 1.492% | 1.50% | 1.60%
Highlighted rows are current specials. [1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
When you pair a share certificate with our Ultra Checking account, you'll receive an additional 0.10% APY1 increase. It's our way of rewarding you and your commitment to United.
[1] APY=Annual Percentage Yield. APY accurate as of 10/1/2026. Subject to change without notice. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Rates may change after the account is opened. If requirements are not met, rates are 4.00% for 7 months, or 4.00% for 21 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. 7 month certificate renews to 6 month standard certificate at maturity, 21 month certificate renews to 12 month standard certificate at maturity. Rates are based on current rates at the time of renewal. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.