Advantages Certificates of Deposit™ are insured, dividend paying certificate accounts that are offered with a set dividend rate for a set period of time that do not allow additional deposits. This is a great option for those members that can utilize a timed investment opportunity for a higher-yield dividend rate.

• Three dividend tiers to accommodate all types of savers – This combined with a low minimum deposit of only $500 allows all types of savers to take advantage of higher rates. You choose the investment level that’s right for you!
• Terms from 6 months to 5 years - The wide variety of terms allows your investments to mature and become liquid at various intervals.
• Dividends compounded and posted monthly.
• Certificates automatically renew – Automatic renewal ensures you’re always earning the highest rates possible and prevents a lapse in dividend accrual.
• Earned dividends can be deposited to the principal of the Certificate or to your UECU Share Savings Account or Advantages Checking™ Account.
• Opening deposit can be made by mail or transfer from another UECU account or from another financial institution.
• Insured by the NCUA up to $250,000
• Can be used as collateral on loans

Advantages IRA Certificates of Deposit™

Our IRA Certificates are insured, dividend paying certificate accounts that are offered with a set dividend rate for a set period of time that do not allow additional deposits. This account is perfect for retirement planning as it allows for long-term growth and provides the same great tax benefits as a Traditional IRA!
Enjoy all the features mentioned above, in addition to:

• Insured by the NCUA up to $250,000
• Dividends posted only to the principal of the Certificate