Family riding bikes in the park

Certificate Accounts

Save and earn more, the safe and secure way

Reach your savings goals safely

Our certificate accounts help you earn a higher yield on your savings without the risk of stock market fluctuations. That means, your money stays put while you earn dividends.

Stack of coins
Low opening balance

$250 minimum
($25 for youth on a 12-month certificate)
Calendar and clock
Flexible terms

between 6 and 84 months
Arrows pointing to a coin
One-time bump feature

Some certificates allow you to bump-up your rate once during the term
Deposit or withdraw money
Penalty-free interest withdrawal

at any time

Rising Certificate Rates are in Season 
Rates as High as 3.75% APY

Open a Certificate  View Today's Rates

Youth certificate account

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.
Get Started on the Road to a Bright Financial Future

Open a Certificate  View Today's Rates

Members under age 18 can begin earning with as little as $25 on our 12-month certificate.

Still have questions?
Schedule an in-branch appointment to learn more about our certificate accounts.

It's Like a Credit Union In Your Pocket

Access your accounts, move money, and make payments – all from within our user-friendly mobile app.

Mobile Banking

APY (Annual Percentage Yield) as of April 1, 2024, and is subject to change. Click here to view current Certificate rates. A penalty may be charged for early withdrawal. 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. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Add-On: If your certificate has an add-on feature, add-ons are limited to $10,000 through the duration of the certificate. IRA certificate add-ons are subject to limits set by the IRS. Dividends will be compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. 25-month and 11-month certificate specials:  Eligible for add-ons. Certificate balances are capped at $2,000,000 per certificate type, plus dividends. 25-month certificate rolls into a 24-month certificate upon maturity. 11-month certificate rolls into a 12-month certificate upon maturity.

Holding the keys to a new car
We deliver cars!
We’ll find the car, negotiate the deal, and deliver it to you! Learn more about our auto buying service.

Recommended for You

checkmark badge icon illustration

Become a Member
Join 1st United Credit Union today!

handshake icon illustration

Meet Us
We're your neighbor! Learn how we put our members and community first.

chat bubble icon illustration

Contact Us
We're here when you need us.

Team 1st United

You’re More Than a Member

We’ve been celebrating our members and communities in the Bay Area since 1932.