Menu Log In Certificates Open Account Special Offer: Limited-time Special Certificate Rates Get a Guaranteed Return Certificates offer a competitive, steady dividend rate for a fixed length of time and are best for money you don't need to access for a while. No monthly fee or maintenance fee Flexible terms from 3 to 60 months Minimum opening balance starts at $250 Higher rates available for Premium Checking members and certificates of $10,000 or more Jumbo Certificates available for deposits over $250,000 Compare Our Most Popular Certificates In addition to our regular certificates, UW Credit Union offers several unique options with valuable features for specific savings needs. Regular Certificate Rate Bump Certificate Smart Saver Certificate Special Features Range of terms to choose from Rate is increased once during term Deposits are allowed throughout term Monthly Fee $0 $0 $0 Minimum Opening Deposit $500 $5,000 $250 Term Length Options 3, 6, 9, 12, 18, 24, 30, 36, 48, 60 months 24 months 12 (Smart Saver Plus only), 18, 30 months Dividends Compounded Daily Daily Daily Compare certificates to other types of accounts. Calculate how much you could save or see how long it will take you to reach your savings goal. Open Account View Rates Types of Certificates Regular Certificate A regular certificate is our most flexible and traditional option. Low opening deposit requirement of $500 Term length choices of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months Rate Bump Certificate Increase your rate during the term to stay competitive in a rising rate environment. $5,000 minimum opening deposit 24-month term One rate increase allowed during the term Smart Saver Certificate Smart Saver allows deposits during the term. Establish a savings plan by setting up automatic transfers. $250 minimum opening deposit 18- or 30-month term Deposits can be made anytime during term until 7 days before term ends Smart Saver Plus Certificate Perfect for the holidays! Smart Saver Plus allows deposits throughout the term PLUS penalty-free withdrawals during the month of December. $250 minimum opening deposit 12-month term Deposits can be made anytime during term until 7 days before term ends Penalty-free withdrawals are allowed during December ($250 minimum balance must remain in the certificate) IRA Certificate Combine the guaranteed return of a certificate with the tax advantages of an IRA to save for retirement. Low opening deposit requirement of $500 Term length choices of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months Potential tax advantages Choose from a Traditional or Roth IRA IRA Savings also available Withdrawal Fees Explained If you need to withdraw your funds before your certificate term has ended, you’ll likely forfeit some dividend earnings. Certificate that is six or fewer days old | 7 days of dividends (will reduce principal) Certificate that has a term of 12 months or less | 90 days of dividends Certificate that has a term longer than 12 months | 180 days of dividends Penalties may be waived in certain circumstances, including: To purchase a home with a UW Credit Union mortgage To manage medical or long-term care needs To pay UW or Madison College tuition To purchase an investment product through Investment Services at UW Credit Union Open a Certificate Getting Started Is Easy 1 Log in to Web Branch. If you're not a member yet, join today. 2 Choose the account you want to open. Most accounts can be opened online in just a few minutes. 3 Transfer money into your new account. Consider setting up recurring transfers to grow your savings automatically. Open Account View Rates Not yet a member? Establish your membership by opening a savings account online. After you've joined, you can easily open your certificate anytime via online and mobile banking. Checking Loans Credit Cards Savings & Investments Savings Overview Savings Accounts Certificates Money Markets Technology Become a Member Locations Contact Us Rates Apply Help Seminars | Budget Health | Calculators | News | Careers Search this site Search ROUTING NUMBER 275979076 About UWCU | Privacy Policy UW Credit Union's Instagram Page UW Credit Union's LinkedIn Page UW Credit Union's Twitter Page UW Credit Union's Facebook Page Your savings is federally insured to at least $250,000 by the NCUA. Fee Schedule Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play Logo are trademarks of Google Inc. Copyright © 2021 UW Credit Union. All rights reserved.