Fixed-Rate Certificates      
Balance Term Rate APY
$1,000 6 months 0.750% 0.75% APY
$1,000 12 months 1.590% 1.60% APY
$1,000 24 months 1.690% 1.70% APY
$1,000 36 months 2.280% 2.30% APY
$1,000 48 months 2.325% 2.35% APY
$1,000 60 months 2.810% 2.85% APY
$1,000 84 months 2.420% 2.45% APY
$100 (Youth Certificate, ages 17 and under)* 12 months 1.590% 1.60% APY
$1,000 (15-month Certificate Special) 15 months 2.130% 2.15% APY
$1,000 - $99,999.99   (25-month Certificate Special) 25 months 2.570% 2.60% APY
$100,000 - $249,999.99 (25-month Certificate Special) 25 months 2.669% 2.70% APY
$250,000 (25-month Certificate Special) 25 months 2.766% 2.80% APY
Fixed-Rate IRA Certificates      
Balance Term Rate APY
$1,000 6 months 0.850% 0.85% APY
$1,000 12 months 1.690% 1.70% APY
$1,000 24 months 1.79% 1.80% APY
$1,000 36 months 2.370% 2.40% APY
$1,000 48 months 2.420% 2.45% APY
$1,000 60 months 2.910% 2.95% APY
$1,000 84 months 2.520% 2.55% APY
$1,000 (15-month IRA Certificate Special) 15 months 2.130% 2.15% APY
$1,000 - $99,999.99 (25-month IRA Certificate Special) 25 months 2.570% 2.60% APY
$100,000 - $249,999.99 (25-month IRA Certificate Special) 25 months 2.669% 2.70% APY
$250,000 (25-month IRA Certificate Special) 25 months 2.766% 2.80% APY

APY (Annual Percentage Yield) as of May 21, 2019, and is subject to change. A penalty may be charged for early withdrawal. Features - One-time bump: if 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 15-month certificate will automatically renew to the 12-month certificate fixed rate in effect at that time. Minimum deposit of $1,000. At maturity the 25-month certificate will automatically renew to the 24-month certificate fixed rate in effect at that time.