Fixed-Rate Certificates
 
 
 
Balance
Type
Rate
APY
$1,000
6 month
0.750%
0.75% APY
$1,000
12 month
2.375%
2.40% APY
$1,000
24 month bump
1.690%
1.70% APY
$1,000
36 month bump
2.280%
2.30% APY
$1,000
48 month bump
2.325%
2.35% APY
$1,000
60 month bump
2.810%
2.85% APY
$1,000
84 month bump
2.420%
2.45% APY
$100 (Youth, ages 17 and under)*
12 months
2.375%
2.40% APY
$1,000 - $99,999.99 (special)
25 month bump
2.570%
2.60% APY
$100,000 - $249,999.99 (special)
25 month bump
2.669%
2.70% APY
$250,000 (special)
25 month bump
2.766%
2.80% APY
 
Fixed-Rate IRA Certificates
 
 
 
Balance
Type
Rate
APY
$1,000
6 month
0.750%
0.75% APY
$1,000
12 month
2.375%
2.40% APY
$1,000
24 month bump
1.690%
1.70% APY
$1,000
36 month bump
2.280%
2.30% APY
$1,000
48 month bump
2.325%
2.35% APY
$1,000
60 month bump
2.810%
2.85% APY
$1,000
84 month bump
2.420%
2.45% APY
$1,000 - $99,999.99 (special)
25 month bump
2.570%
2.60% APY
$100,000 - $249,999.99 (special)
25 month bump
2.669%
2.70% APY
$250,000 (special)
25 month bump
2.766%
2.80% APY
APY (Annual Percentage Yield) as of July 1, 2019, and is subject to change. A penalty may be charged for early withdrawal. Features - One-time bump: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate. Add-on: add funds at any time. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Dividends will be compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Tiered-rate certificates: Dividends paid monthly based on average monthly balance and the corresponding tier levels disclosed in the 1st United Rate Sheet or online at 1stunitedcu.org/rates. If withdrawals, dividends or an add-on deposit changes the average monthly balance of the account to a different tier, the new tier’s APY and dividend rate that was disclosed on the 1st United Rate Sheet or online at 1stunitedcu.org/rates at the time of account opening will take effect and apply to your entire account's average daily balance beginning on the first day of the month following the month in which your account’s average daily balance moved to the new tier. At maturity the 25-month certificate will automatically renew to the 24-month certificate fixed rate in effect at that time.