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Certificate Accounts

At UFirst, we get that everyone’s got their own saving style. Some like quick wins, others are in it for the long haul to score bigger dividends. With a Share Certificate, you get to save your way—building up cash for whatever matters most, on your terms.

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: 

  • UFirst Certificate Account
  • Savings Builder Certificate Account
  • Lucky Savers Certificate

Not sure which one's your perfect match? No worries - our team is ready to help. Pop by a branch or connect with our team! 
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Compare the Difference

UFirst Certificate Account

Savings Builder Certificate

Type of Saver

Savers with larger initial deposits, long-term goals

Savers starting small, saving regularly

Requirements

$500 minimum deposit to open, early withdrawal penalties

$10 minimum to open, fixed term of 12 months

Benefits

Terms up to 48 months

Insured up to $250,000 by NCUA

Automatic deposits via Direct Deposit

Insured up to $250,000 by NCUA

Service Charge

No maintenance fees

No maintenance fees

Interest

Fixed rates, higher than regular savings, Certificate Relationship Bonus

Higher dividends than regular savings, higher rate with UFirst Checking Account

Additional Features

Higher dividends for longer terms

Save small increments automatically

Certificate Relationship Bonus

Because you're an awesome member, you may be eligible for a bonus on a regular certificates *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.

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