Accounts that put your Savings on Cruise Control
Got a specific savings goal? You might want an account that helps you save faster than a regular savings account. With a UFirst Certificate, you can earn more on your money. We've got a few different options to choose from:
- Cap & Cash Certificate (available to until May 31st, 2026)
- UFirst Share Certificate Account
- Savings Builder Share Certificate Account
- Savvy Savers Share Certificate Account
Not sure which one's your perfect match? No worries - our team is ready to help.
Compare the Difference
| Cap & Cash Share Certificates (April 20th - May 31st) | UFirst Certificate Share Account | Savings Builder Share Certificate Account | Savvy Savers Share Certificate | |
|---|---|---|---|---|
Type of Saver | Built for our 2026 graduates & beyond to kick off their savings | Savers with larger initial deposits, long-term goals | Savers starting small, saving regularly | Savers who are just starting out & need a little incentive |
Requirements | $250 minimum deposit to open. Fixed term of 6 months. | $500 minimum deposit to open, early withdrawal penalties | $10 minimum to open, fixed term of 12 months | $250 minimum deposit to open & max of $5000. Must be 18 or older. |
Benefits | Insured up to $250,000 by NCUA | Terms up to 48 months | Automatic deposits via Direct Deposit | Entered into quarterly drawing for $50 with every deposit of $25 (up to 10 entries per quarter & 1 win per calendar year) Insured up to $250,000 by NCUA |
Service Charge | No maintenance fees | No maintenance fees | No maintenance fees | No maintenance fees |
Interest | Fixed rates, higher than regular certificates and savings accounts | Fixed rates, higher than regular savings, Certificate Relationship Bonus | Higher dividends than regular savings, higher rate with UFirst Checking Account | Fixed rates, higher than regular savings, higher rate with UFirst Checking Account |
Additional Features | Shorter term with great returns of 2.6% APY* | Higher dividends for longer terms | Save small increments automatically | 6, 12- & 24-month options to fit your need |
Certificate Loyalty Perk
Because you're an awesome member, you may be eligible for a bonus on a regular certificate *APY. The rate bonus is applied to the *APY offered on the certificate selected at the time of opening. Contact our team to learn more.
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*APY - Annual Percentage Yield. Rate bonus available to qualified members. Bonus will be applied through the expiration of the certificate and is not automatically applied to renewals. Bonus does not apply to certificate specials. UFirst reserves the right to end its Certificate Relationship Bonus program at any time without notice. For more information, read our Truth in Savings Disclosure.