Rates - Certificates and IRAs

APY ACCURATE AS OF: November 1, 2014

Certificates and IRAsMinimum to openAPY*
3 to 6 month$500/$1000.30
7 to 12 month$500/$1000.50
13 to 24 month$500/$1000.60
19 Month Special$10001.75

1.85 for amounts greater than $100,000. 1.95 for amounts greater than $250,000.

25 to 36 month$500/$1000.75
29 Month Special$10002.00

2.10 for amounts greater than $100,000. 2.20 for amounts greater than $250,000.

37 to 48 month$500/$1000.95
49 to 60 month$500/$1001.20
60 Month Special$10002.25

2.35 for amounts greater than $100,000. 2.45 for amounts greater than $250,000.

Young Investor CD$1000.50

APY = Annual Percentage Yield

Insured by NCUA up to $250,000

Share accounts are insured up to $250,000 by the NCUA. Depending on account ownership structure coverage may be greater.

Best Rate Guarantee

If you find a better advertised yield on a CD or IRA at a financial institution based in the 42 counties we serve, the UICCU will beat it. Guarantee available for a limited time only. Applies only to CDs or IRAs with comparable terms and conditions. Does not apply in those cases where the credit union does not offer a comparable product. Not available to public organizations or other financial institutions. Maximums apply.


Minimum deposit of $500 required. Penalty for early withdrawal. 3-6 month dividends compounded at maturity, all other terms compounded quarterly.


Traditional, Roth, and SEP IRAs. $100 minimum. Penalty for early withdrawal.

Young Investor Certificate

The Young Investor Certificate is designed specifically for our members younger than 18 years of age. It is a 12 month fixed rate certificate of deposit that allows additional deposits of at least $25 at any time during the term. Minimum to open is only $100 and it earns a competitive rate!