Share Certificates

Share Certificates

You Asked, We Delivered. You Can Now Open Traditional & Bump Certificates Online!

Similar to a bank’s Certificate of Deposit (CD), USSFCU Share Certificates offer low-risk investment opportunities for members who don’t need short-term access to their savings. By opening an NCUA-insured Share Certificate with USSFCU, members can be assured of a specific return upon the maturation of their Share Certificate term.

Benefits of USSFCU Share Certificates

  • Low Minimum Deposit: Open a share certificate with a minimum deposit requirement of $1,000.
  • Flexible Terms: Choose from a variety of terms ranging from three months to five years.
  • Higher Returns: Enjoy higher rates of return for accounts with “jumbo” balances of $200,000 or more.
  • Variety of Options: Traditional IRA, Roth IRA, and Bump Rate certificates are also available.

How to Open Your Share Certificate Online

USSFCU Members can now apply for Share Certificates via myUSSFCU online and mobile banking!

  1. Log into my.ussfcu and select the “Add Shares” option.
  2. Click Add Share(s) to an Existing USSFCU Account.
  3. Select Share Certificate from the Available Products dropdown.
  4. Pick Your Type of Certificate: Review the certificate disclosure, enter a few quick details about yourself, and fund the certificate.

Important: All certificates must be funded by internal transfer from an existing USSFCU account. Funds must be available in your USSFCU account at the time of opening.

More Details

Enjoy Our Suite of Certificates

A stable and secure way to diversify your investment portfolio.

TRAD

Avoid the ups and downs of the market with a traditional certificate. Yields are paying out at record highs.

IRA

Looking for long-term security without the headache of a fluctuating market? Our IRA certificate is the solution.

BUMP

Secure a great rate now with the one-time option to bump it up to an even better rate during the term of your certificate.

BIZ

Our business certificates offer your business secure and stable solutions for both short and long-term goals.

Need a little guidance or would like to open up a certificate now?

800.374.2758  |  [email protected]  |  my.ussfcu.org

Not a USSFCU Member and Not Sure If You Are Eligible?

The fastest path to eligibility is through the VACC.

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Once you establish eligibility, membership is the next step!

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RATES

CALCULATOR

  • No setup or maintenance fees, with a $1,000 minimum deposit
  • Fixed dividend rates are set higher than regular savings dividend rates
  • Wide range of terms available – 3 months to 5 years
  • Dividend rates based on the length of the term
  • Early withdrawals are subject to penalty**
  • Automatic renewal upon maturity***

Q: What types of certificates can I open online?
A: Traditional and Bump Rate certificates. IRA and business certificates cannot be opened online.

Q: What are the available certificate terms?
A: USSFCU offers a wide range of certificate terms from 3 months to 5 years. For a full list, including the most up-to-date interest rates, visit here.

Q: What are the minimum deposit requirements?
A: The minimum balance requirement to open an online certificate account is $1,000.

Q: Can I open my certificate as an Individual Retirement Account (IRA)?
A: IRAs cannot be opened online. IRAs may be opened by visiting one of our branches or through our Retirement Central online portal.

Q: How do I open a CD for my business?
A: Business CDs may be opened by visiting one of our branches, or calling a Member Business Service representative at 800.374.2758 (option 5).

Q: Will members be able to select an odd number of months (term) for their Certificate?
A: No. Effective June 18, 2024, we no longer offer a range of months for members to choose when opening a share certificate. For example, a 6-month certificate will only have a term of 6 months.

Q: When are the funds transferred into my certificate account?
A: Upon your completion of the online application, and our review and approval, the funds will be immediately debited from your USSFCU account. ** All certificates must be funded by internal transfer from an existing USSFCU account. Funds must be available in your USSFCU account at the time of opening.

Q: How do I receive opening documents for the certificate I open online?
A: Upon account approval, you will receive notification via email that your disclosure documents are ready for electronic signature. Once submitted, a copy of your completed disclosures will be emailed to the email address you provide. If you do not complete electronic signing within 5 business days, we will print a hard copy of the disclosure and mail it to the physical address provided.

Q: Can I open multiple certificate accounts online?
A: Yes, you can open multiple certificates under the same account during the same transaction by adding each individual certificate to your list of selected products.

Q: What if I want to add a Beneficiary to the Certificate?
A: Online applications do not currently provide for a beneficiary option. Please call 800.374.2758 to add the beneficiary to the certificate once it has been established.

Q: Are there any fees?
A: USSFCU charges no account set-up fees or monthly or annual maintenance fees on a certificate account. Early withdrawals are subject to penalty. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details.

Q: Do you pull credit for certificates?
A: No.

Q: Is my certificate safe?
A: All deposits are Federally insured by NCUA up to $250,000.

Now, opening a share certificate is just a few clicks away. Start growing your savings with USSFCU today!

Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. 

For questions about the NCUA’s share insurance coverage, call 1.800.755.1030, option 1, Monday through Friday, 8 a.m. to 5 p.m. Eastern, or send an email to [email protected]. This toolkit contains a variety of helpful resources for credit unions regarding the Share Insurance Fund.

Share Insurance Toolkit from MyCreditUnion.gov

The toolkit has great resources like estimators, publications, videos and more.

Share Insurance Toolkit

* APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. The dividend period on your account begins from the date that your account is opened and ends on the maturity date unless renewed. Must maintain a certain level of account activity in order to avoid dormancy and possible escheatment of funds.You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. Early withdrawal penalties may apply. Changes without penalty are allowed ten days from the maturity date. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details.
 
 
Membership eligibility is required. All deposits are Federally insured by NCUA up to $250,000.
 

Members' Voice Testimonials

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- James · Locust Grove, GA

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A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

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I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

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I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

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Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

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The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

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Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

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I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

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I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

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I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

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I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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