mobile curve effect desktop curve effect

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.

ALREADY A MEMBER?

Save time by applying through online banking or on the mobile app under Additional Services > Open Additional Deposit Product.

Login to Online Banking

Sign Up Today!

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

¹Once opened, you can add funds to this Spring Special Growth Certificate™ at any time, with a maximum of $250,000 in total deposits per primary account holder. This limit applies only to this special offer and is separate from the $100,000 maximum on regular growth certificates. A minimum deposit of $100 is required at account opening. This certificate does not automatically renew at maturity. This special offer is available for a limited time and may be discontinued at any time. Lock in your rate today while it lasts! Deposits are federally insured by the NCUA, and fees may reduce earnings on the account.

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

²As of April 9, 2025. Fees may reduce earnings on the account. After the certificate is opened, additional deposits can be made to the certificate at any time with a maximum of $100,000 of cumulative Growth CertificateTM deposits per primary account holder. A deposit of at least $100 is set up at account opening.

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

Certificates are subject to early withdrawal penalties and fees. Penalties and fees may reduce earnings and principal. Dividends are credited monthly. Rates and terms are accurate as of April 9, 2025, and are subject to change. Federally insured by the NCUA.

^APY = Annual Percentage Yield.