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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
Mother and daughter drink coffee and discuss saving money with UW Credit Union


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




Minimum Opening Deposit




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




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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

  • 1Log in to Web Branch.
    If you're not a member yet, join today.
  • 2Choose the account you want to open.
    Most accounts can be opened online in just a few minutes.
  • 3Transfer money into your new account.
    Consider setting up recurring transfers to grow your savings automatically.

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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.

Father smiles at daughter as they discuss saving money