Investments

GOOD NEWS! OUR RATE JUST GOT BETTER!

Make a Smart Money Move With Your Money

Limited‑Time 10‑Month Certificate Special

A short-term with a strong return — a smart choice for growing your savings with confidence.

10‑Month Certificate

•     5.00% APY
•     Earns approximately $41.50 on a $1,000 deposit over 10 months.

Boost Your Earnings With New Money

Bring in $10,000 or more in new money from another financial institution and unlock a higher yield:

•     5.10% APY
•     Earns approximately $42.32 on a $1,000 deposit over 10 months.
(Example shown for comparison; actual earnings scale with deposit amount.)

Why Members Love This Special

•     Short 10‑month term
•     Competitive, limited‑time rates
•     A simple way to make your money work smarter

Important Notes

•     This offer is available for a limited time.
•     The Anniversary Special remains available but cannot be combined with this certificate.

The minimum amount to deposit for the certificate is $500

Ready to open your certificate?
Visit or contact us to get started!

IRA (Individual Retirement Account)

IRA

An IRA (individual retirement account) is a form of retirement plan that offers certain tax advantages. Use an IRA to start saving for retirement or to supplement what you're already saving. The money in your UGEFCU Traditional or ROTH IRA is federally insured, unlike the stock market. Inquire about rollovers and direct transfers today.

Certificate Of Deposit

A Certificate of Deposit is a term deposit. You deposit the money for a set period of time, usually between six months and three years, and in return, you receive a higher interest rate than a traditional savings account. It's a simple way to boost your savings and prepare for your financial future.

Comparison Example - $1,000 deposit in savings for one year vs. a one year certificate

Deposit Amount	Rate	Earnings
$1,000	0.35%	$3.50
$1,000	4.43%	$44.30

So, if you know you won't need the money for a year, you will make more money by depositing in a certificate. But remember, you are promising to keep the money in the certificate for the term you choose.

With a savings account, you can add money to it whenever you want but you cannot add money to a certificate until it matures. If you deposit your money in a certificate there will be an interest penalty if you withdraw it before the maturity date.