Money in the Bank
Certificates are similar to savings accounts in that they are insured and thus virtually risk-free; they are "money in the bank" (Certificates are insured by the NCUA for credit unions). Certificates are different from savings accounts in that they have a specific fixed term.
UBI Certificate investment savings plans are available for a variety of time periods at various dividend rates. To learn more, check our rates page.
Certificate of Deposit
| Name | Minimum | Rate | APY |
|---|---|---|---|
| 3 month Certificate | $1,000 | 0.05% | 0.05% |
| 6 month Certificate | $1,000 | 3.93% | 4.00% |
| 12 month Certificate | $1,000 | 1.74% | 1.75% |
| 18 month Certificate | $1,000 | 1.74% | 1.75% |
| 24 month Certificate | $1,000 | 1.98% | 2.00% |
| 30 month Certificate | $1,000 | 1.98% | 2.00% |
| 36 month Certificate | $1,000 | 2.23% | 2.25% |
| 48 month Certificate | $1,000 | 2.47% | 2.50% |
| 60 month Certificate | $1,000 | 2.96% | 3.00% |
Rates are subject to change without notice. APY= Annual Percentage Yield. Early withdrawal of a Certificate will incur a penalty. | |||
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Retirement Savings Calculator
This pre-retirement calculator was developed to help you determine how well you have prepared and what you can do to improve your retirement outlook.
Retirement Savings Calculator
