Whether you're saving for college tuition or a secure retirement, 1st United can help you reach your goals safely with our high-yield Certificate Accounts. Certificates offer guaranteed earnings and pay higher interest than a traditional savings account because the funds are committed to a fixed term.

Better yet, our certificates offer even more unmatchable benefits that other financial institutions don’t. 

Fixed-Rate Certificates

  • Above-market rates
  • Flexible terms between 6 and 84 months
  • Low $1,000 minimum
  • Bump feature – If we raise rates, you can bump-up your rate online once during the term
  • Add-on feature – Add more money to your certificate at any time
  • Withdrawal feature – Withdraw your interest penalty-free at any time
  • Youth certificate option with low $100 minimum
  • Insured to $250,000 by the NCUA

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Youth Certificate

As a not-for-profit financial institution, we believe in celebrating financial literacy. That’s why we offer special accounts to help youth and young adults get started on the road to a bright financial future.

Members under age 18 can get all the same benefits that a regular certificate offers, but they can start earning with as little as $100 for a 12-month term.  

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