Certificate of Deposit

Investing your funds in a time deposit such as a Certificate of Deposit (CD) can be a very safe and rewarding financial decision. Our USECU Certificates of Deposit earn highly competitive dividend rates and come in a broad selection of time terms ranging from 3 months up to 60 months. Then enjoy peace of mind knowing all funds are federally insured.

USECU Certificates of Deposit

  • Lock in for a longer term and earn higher dividends
  • Opening deposits range from $2,500 – $250,000
  • Variety of dividend payment plans available
  • Competitive Fixed Interest Rates
  • Fixed Date of Withdrawal (Maturity Date)
  • No monthly fees
  • 3-month to 60-month terms available
  • Federally insured up to $250,000 by NCUA
  • Option to have interest deposited directly into USECU checking or saving account

Certificate Rates

Amount90 Day180 Day360 Day18 Months24 Months36 Months60 Months
$2,500 Rate 0.996% 2.96% 3.93% 3.20% 0.996% 0.996% 0.996%
APY 1.00% 3.00% 4.00% 3.25% 1.00% 1.00% 1.00%
$50,000 Rate 0.996% 2.96% 3.93% 3.20% 0.996% 0.996% 0.996%
APY 1.00% 3.00% 4.00% 3.25% 1.00% 1.00% 1.00%
$90,000 Rate 0.996% 2.96% 3.93% 3.20% 0.996% 0.996% 0.996%
APY 1.00% 3.00% 4.00% 3.25% 1.00% 1.00% 1.00%
$250,000 Rate 2.96% 3.93% 3.20% 0.996% 0.996% 0.996%
APY 3.00% 4.00% 3.25% 1.00% 1.00% 1.00%

*APY is Annual Percentage Yield. Posted rates effective February 1, 2023. Rates subject to change. Penalties may be imposed for early withdrawal.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: info@usecreditunion.com.