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Certificate Accounts

UFirst Certificate

UFirst understands that our members have different needs when it comes to saving. Some prefer short-term maturity while others prefer to take advantage of the higher dividends by depositing funds for a longer term. A Share Certificate gives you the freedom to build up savings on your terms all while saving for what’s most important to you.

Benefits of a UFirst Certificate: 

  • $500 minimum deposit to open
  • Terms up to 48 months
  • Fixed rates, higher than regular savings
  • Certificate Relationship Bonus can help boost your rate
  • Higher dividends for longer terms
  • Save for large purchases or future goals
  • No maintenance fees
  • Insured up to $250,000 by NCUA
  • Early withdrawals subject to penalty*

Savings Builder Certificate

Pay yourself first! It’s an important money habit to have, but not an easy one to live by. To pay yourself first does not mean spending money on yourself, it means saving before you do anything else. This is often hard to do after paying your bills and groceries. Often times there’s not enough left to add to savings. The Savings Builder Certificate is specifically designed to help you start small and save in smaller increments. Plus, it’s all done automatically with direct deposit of your paycheck, so you don’t even miss it. Before you know it, you'll have enough saved to pay off debt, take a vacation or use for other expenses. Why not start one today?!

Benefits of a Savings Builder Certificate:

  • $10.00 minimum to open
  • Fixed term of 12 months
  • Earns higher dividends than a regular savings
  • Higher rate with a UFirst Checking Account
  • Deposits made automatically with Direct Deposit ($10 weekly/$20 bi-weekly/$40 monthly)
  • Insured up to $250,000 by NCUA

Questions? Our staff is always willing to help answer questions you have on any UFirst product or service. Just give us a ring at 518-324-5700 option 1 or send a quick email to

Certificate Relationship Bonus

Based on your relationship with UFirst, you may be eligible for an APR bonus on a term certificate. The rate bonus is applied to the APR offered on the certificate selected at the time of origination. The bonus will be applied through the expiration of the certificate term and will not automatically be applied to renewals.

UFirst reserves the right to end it's Certificate Relationship Bonus program at any time without notice. 

Lucky Savers

Lucky savers is our free Save to Win prize-linked savings program that rewards members for contributing to their own savings account.

When you open a 12-month Lucky Savers share certificate with at least $25, you’ll be entered to win monthly and quarterly prizes. Not only are you gaining regular dividends on your savings, but with each additional deposit of $25, you get more chances to win! Members can earn up to 10 entries per month, so the more you save, the more chances you have to win.

With monthly and quarterly prizes ranging from $25 to $5,000, members save money, gain interest and have a chance at great cash prizes. That’s a WIN WIN…for you!!

Benefits of Being a Lucky Saver:

  • Only $25 to open
  • Save money and get a chance to win monthly cash prizes
  • Set money aside little by little for just about any goal
  • Earn higher dividends than regular savings
  • Make deposits at any time
  • No monthly maintenance fees

Click here to view the official rules

How to Open a Lucky Savers Account: 

  • Stop in to a UFirst location nearest you to open one
  • Email us and one of our friendly team members will contact you to get it going 


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