Certificates and IRA Rates | UW Credit Union

Certificates²

Open Account

Specials

Term

14 Months

Minimum Balance

$5,000

Dividend Rate

3.92%

APY*

4.00%

Term

7 Months

Minimum Balance

$5,000

Dividend Rate

3.92%

APY*

4.00%

No Penalty Certificate³

Term

9 Months

Minimum Balance

$5,000

Dividend Rate

3.44%

APY*

3.50%

Rate Bump⁴

Term

24 Months

Minimum Balance

$5,000

Dividend Rate

3.68%

APY*

3.75%

Regular

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

36 Month

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

30 Month

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

24 Month

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

18 Month

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

12 Month

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

9 Month

Minimum Balance

$500

Dividend Rate

2.91%

APY*

2.95%

Term

6 Month

Minimum Balance

$500

Dividend Rate

2.42%

APY*

2.45%

Term

3 Month

Minimum Balance

$500

Dividend Rate

2.18%

APY*

2.20%

Smart Saver⁵

Term

30 Months

Minimum Balance

$250

Dividend Rate

1.93%

APY*

1.95%

Term

18 Months

Minimum Balance

$250

Dividend Rate

1.78%

APY*

1.80%

Smart Saver Plus

Term

12 Months

Minimum Balance

$250

Dividend Rate

0.92%

APY*

0.92%

Certificates with $10,000 Minimum

Or Premium Checking (Valid thru 3/1/25^)

Open Account

Specials

Term

14 Months

Minimum Balance

$5,000

Dividend Rate

3.97%

APY*

4.05%

Term

7 Months

Minimum Balance

$5,000

Dividend Rate

3.97%

APY*

4.05%

No Penalty Certificate³

Term

9 Months

Minimum Balance

$5,000

Dividend Rate

3.49%

APY*

3.55%

Rate Bump⁴

Term

24 Months

Minimum Balance

$5,000

Dividend Rate

APY*

Regular

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

36 Month

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

30 Month

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

24 Month

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

18 Month

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

12 Month

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

9 Month

Minimum Balance

$500

Dividend Rate

2.96%

APY*

3.00%

Term

6 Month

Minimum Balance

$500

Dividend Rate

2.47%

APY*

2.50%

Term

3 Month

Minimum Balance

$500

Dividend Rate

2.23%

APY*

2.25%

Smart Saver⁵

Term

30 Months

Minimum Balance

$250

Dividend Rate

1.98%

APY*

2.00%

Term

18 Months

Minimum Balance

$250

Dividend Rate

1.83%

APY*

1.85%

Smart Saver Plus

Term

12 Months

Minimum Balance

$250

Dividend Rate

0.97%

APY*

0.97%

Certificates with $250,000 Minimum

Open Account

Specials

Term

14 Months

Minimum Balance

$5,000

Dividend Rate

4.02%

APY*

4.10%

Term

7 Months

Minimum Balance

$5,000

Dividend Rate

4.02%

APY*

4.10%

No Penalty Certificate³

Term

9 Months

Minimum Balance

$5,000

Dividend Rate

3.54%

APY*

3.60%

Rate Bump⁴

Term

24 Months

Minimum Balance

$5,000

Dividend Rate

3.78%

APY*

3.85%

Regular

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

36 Month

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

30 Month

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

24 Month

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

18 Month

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

12 Month

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

9 Month

Minimum Balance

$500

Dividend Rate

3.00%

APY*

3.05%

Term

6 Month

Minimum Balance

$500

Dividend Rate

2.52%

APY*

2.55%

Term

3 Month

Minimum Balance

$500

Dividend Rate

2.27%

APY*

2.30%

Smart Saver⁵

Term

30 Months

Minimum Balance

$250

Dividend Rate

APY*

Term

18 Months

Minimum Balance

$250

Dividend Rate

APY*

Smart Saver Plus

Term

12 Months

Minimum Balance

$250

Dividend Rate

APY*

Individual Retirement Account (IRAs)

IRA Certificate Specials

Term

7 Months

Minimum Balance

$500

Dividend Rate

3.92%

APY*

4.00%

Term

15 Months

Minimum Balance

$500

Dividend Rate

3.92%

APY*

4.00%

IRA Certificates

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

36 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

30 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

24 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

18 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

12 Months

Minimum Balance

$500

Dividend Rate

3.20%

APY*

3.25%

Term

9 Months

Minimum Balance

$500

Dividend Rate

2.91%

APY*

2.95%

Term

6 Months

Minimum Balance

$500

Dividend Rate

2.42%

APY*

2.45%

Term

3 Months

Minimum Balance

$500

Dividend Rate

2.18%

APY*

2.20%

IRA Savings¹

Term

Minimum Balance

Dividend Rate

0.13%

APY*

0.13%

Individual Retirement Account (IRAs) with $10,000 Minimum

Or Premium Checking (Valid thru 3/1/25^)

IRA Certificate Specials

Term

7 Months

Minimum Balance

$500

Dividend Rate

3.97%

APY*

4.05%

Term

15 Months

Minimum Balance

$500

Dividend Rate

3.97%

APY*

4.05%

IRA Certificates

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

36 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

30 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

24 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

18 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

12 Months

Minimum Balance

$500

Dividend Rate

3.25%

APY*

3.30%

Term

9 Months

Minimum Balance

$500

Dividend Rate

2.96%

APY*

3.00%

Term

6 Months

Minimum Balance

$500

Dividend Rate

2.47%

APY*

2.50%

Term

3 Months

Minimum Balance

$500

Dividend Rate

2.23%

APY*

2.25%

IRA Savings¹

Term

Minimum Balance

Dividend Rate

APY*

Individual Retirement Account (IRAs)

With $250,000 Minimum

IRA Certificate Specials

Term

7 Months

Minimum Balance

$500

Dividend Rate

4.02%

APY*

4.10%

Term

15 Months

Minimum Balance

$500

Dividend Rate

4.02%

APY*

4.10%

IRA Certificates

Term

60 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

48 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

36 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

30 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

24 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

18 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

12 Months

Minimum Balance

$500

Dividend Rate

3.30%

APY*

3.35%

Term

9 Months

Minimum Balance

$500

Dividend Rate

3.00%

APY*

3.05%

Term

6 Months

Minimum Balance

$500

Dividend Rate

2.52%

APY*

2.55%

Term

3 Months

Minimum Balance

$500

Dividend Rate

2.27%

APY*

2.30%

IRA Savings¹

Term

Minimum Balance

Dividend Rate

APY*

Certificates²

Open Account

Type

Term

Minimum Balance

Dividend Rate

APY*

Specials

14 Months

$5,000

3.92%

4.00%

7 Months

$5,000

3.92%

4.00%

No Penalty Certificate³

9 Months

$5,000

3.44%

3.50%

Rate Bump⁴

24 Months

$5,000

3.68%

3.75%

Regular

60 Months

$500

3.20%

3.25%

48 Months

$500

3.20%

3.25%

36 Month

$500

3.20%

3.25%

30 Month

$500

3.20%

3.25%

24 Month

$500

3.20%

3.25%

18 Month

$500

3.20%

3.25%

12 Month

$500

3.20%

3.25%

9 Month

$500

2.91%

2.95%

6 Month

$500

2.42%

2.45%

3 Month

$500

2.18%

2.20%

Smart Saver⁵

30 Months

$250

1.93%

1.95%

18 Months

$250

1.78%

1.80%

Smart Saver Plus

12 Months

$250

0.92%

Certificates with $10,000 Minimum

Or Premium Checking (Valid thru 3/1/25^)

Open Account

Type

Term

Minimum Balance

Dividend Rate

APY*

Specials

14 Months

$5,000

3.97%

4.05%

7 Months

$5,000

3.97%

4.05%

No Penalty Certificate³

9 Months

$5,000

3.49%

3.55%

Rate Bump⁴

24 Months

$5,000

Regular

60 Months

$500

3.25%

3.30%

48 Months

$500

3.25%

3.30%

36 Month

$500

3.25%

3.30%

30 Month

$500

3.25%

3.30%

24 Month

$500

3.25%

3.30%

18 Month

$500

3.25%

3.30%

12 Month

$500

3.25%

3.30%

9 Month

$500

2.96%

3.00%

6 Month

$500

2.47%

2.50%

3 Month

$500

2.23%

2.25%

Smart Saver⁵

30 Months

$250

1.98%

2.00%

18 Months

$250

1.83%

1.85%

Smart Saver Plus

12 Months

$250

0.97%

Certificates with $250,000 Minimum

Open Account

Type

Term

Minimum Balance

Dividend Rate

APY*

Specials

14 Months

$5,000

4.02%

4.10%

7 Months

$5,000

4.02%

4.10%

No Penalty Certificate³

9 Months

$5,000

3.54%

3.60%

Rate Bump⁴

24 Months

$5,000

3.78%

3.85%

Regular

60 Months

$500

3.30%

3.35%

48 Months

$500

3.30%

3.35%

36 Month

$500

3.30%

3.35%

30 Month

$500

3.30%

3.35%

24 Month

$500

3.30%

3.35%

18 Month

$500

3.30%

3.35%

12 Month

$500

3.30%

3.35%

9 Month

$500

3.00%

3.05%

6 Month

$500

2.52%

2.55%

3 Month

$500

2.27%

2.30%

Smart Saver⁵

30 Months

$250

18 Months

$250

Smart Saver Plus

12 Months

$250

Individual Retirement Account (IRAs)

Type

Term

Minimum Balance

Dividend Rate

APY*

IRA Certificate Specials

7 Months

$500

3.92%

4.00%

15 Months

$500

3.92%

4.00%

IRA Certificates

60 Months

$500

3.20%

3.25%

48 Months

$500

3.20%

3.25%

36 Months

$500

3.20%

3.25%

30 Months

$500

3.20%

3.25%

24 Months

$500

3.20%

3.25%

18 Months

$500

3.20%

3.25%

12 Months

$500

3.20%

3.25%

9 Months

$500

2.91%

2.95%

6 Months

$500

2.42%

2.45%

3 Months

$500

2.18%

2.20%

IRA Savings¹

0.13%

Individual Retirement Account (IRAs) with $10,000 Minimum

Or Premium Checking (Valid thru 3/1/25^)

Type

Term

Minimum Balance

Dividend Rate

APY*

IRA Certificate Specials

7 Months

$500

3.97%

4.05%

15 Months

$500

3.97%

4.05%

IRA Certificates

60 Months

$500

3.25%

3.30%

48 Months

$500

3.25%

3.30%

36 Months

$500

3.25%

3.30%

30 Months

$500

3.25%

3.30%

24 Months

$500

3.25%

3.30%

18 Months

$500

3.25%

3.30%

12 Months

$500

3.25%

3.30%

9 Months

$500

2.96%

3.00%

6 Months

$500

2.47%

2.50%

3 Months

$500

2.23%

2.25%

IRA Savings¹

Individual Retirement Account (IRAs)

With $250,000 Minimum

Type

Term

Minimum Balance

Dividend Rate

APY*

IRA Certificate Specials

7 Months

$500

4.02%

4.10%

15 Months

$500

4.02%

4.10%

IRA Certificates

60 Months

$500

3.30%

3.35%

48 Months

$500

3.30%

3.35%

36 Months

$500

3.30%

3.35%

30 Months

$500

3.30%

3.35%

24 Months

$500

3.30%

3.35%

18 Months

$500

3.30%

3.35%

12 Months

$500

3.30%

3.35%

9 Months

$500

3.00%

3.05%

6 Months

$500

2.52%

2.55%

3 Months

$500

2.27%

2.30%

IRA Savings¹