Certificate Accounts

Are you looking for a smart and secure way to make your savings work for you? Look no further than a JCU Certificate Account. Whether you have short-term or long-term savings goals, our Certificate Accounts are designed to help you reach them while keeping risk to a minimum. Certificates are a conservative investment option, making them attractive for those who are willing to lock in their funds for a set period of time.

Enjoy the advantages of a JCU Certificate:

  • Automatic Renewals: Don’t worry about constantly monitoring your investments. We offer automatic renewals, so your money keeps working for you without any extra effort.
  • Optional Automatic Suffix Transfer: Need Flexibility? Opt for automatic maturity transfer to your JCU savings or checking account.
  • Low-Risk, High-Yield: Certificate Accounts are known for their low-risk nature while providing higher yields compared to traditional savings accounts. It’s a win-win situation for your financial stability and growth.
  • NCUA Insurance: Rest easy knowing your investment is secure. JCU Certificate Accounts are NCUA insured up to $250,000.
  • Flexible Terms: We understand that everyone’s financial goals are unique. That’s why we offer terms ranging from 6 to 60 months. Choose the timeframe that aligns with your savings objectives.

What are you waiting for? Start making your money work harder for you today. Open a JCU Certificate Account and take the first step towards securing your financial future. Whether you’re saving for a dream vacation, a down payment on a house, or a rainy-day fund, we have the perfect solution to help you achieve your goals. Don’t miss out on this opportunity to enjoy peace of mind with a JCU Certificate Account. Your savings journey starts here!

Spring Special Growth Certificate – 4.40% APY!¹

Spring is the season of new beginnings—why not let your savings grow right along with it? With our Spring Special Growth Certificate, you can start with as little as $100 and watch your financial future blossom!
  • Interest Rate: 4.40% APY (4.31% APR)¹
  • Term: 9 Months
  • Special Maximum Deposit: $250,000 (This limit applies only to this special offer and is separate from the $100,000 maximum on our regular growth certificates.)¹
  • Get your special today as it could end at any time.

New Growth Certificate Accounts²

A growth certificate is a savings product that allows you to add funds over time, unlike a regular certificate where you make a one-time deposit only. This makes it better for incrementally saving towards a goal while locking in a great rate. Once your certificate is open, you can keep adding to it anytime, with total deposits up to $100,000. Get started with just a $100 deposit at account opening.

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Spring Special Growth Certificate Account Rates¹

TERM OF CERTIFICATE DIVIDEND RATE APY* MINIMUM BALANCE
TERM OF CERTIFICATE :9-Month GrowthDIVIDEND RATE :4.31%APY* :4.40%^MINIMUM BALANCE:$100

Growth Certificate Account Rates²

TERM OF CERTIFICATE DIVIDEND RATE APY* MINIMUM BALANCE
TERM OF CERTIFICATE :12-Month GrowthDIVIDEND RATE :4.22%APY* :4.30% APY^MINIMUM BALANCE:$100
TERM OF CERTIFICATE :24-Month GrowthDIVIDEND RATE :4.03%APY* :4.10% APY^MINIMUM BALANCE:$100

Standard Certificate Account rates

TERM OF CERTIFICATE DIVIDEND RATE APY* MINIMUM BALANCE
TERM OF CERTIFICATE :6-MonthDIVIDEND RATE :4.27%APY* :4.35% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :12-MonthDIVIDEND RATE :4.22%APY* :4.30% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :18-MonthDIVIDEND RATE :4.03%APY* :4.10% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :24-MonthDIVIDEND RATE :4.03%APY* :4.10% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :36-MonthDIVIDEND RATE :3.93%APY* :4.00% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :48-MonthDIVIDEND RATE :4.12%APY* :4.20% APY^MINIMUM BALANCE:$500.00
TERM OF CERTIFICATE :60-MonthDIVIDEND RATE :4.12%APY* :4.20% APY^MINIMUM BALANCE:$500.00