Certificates

Q: Click for the calculator

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High Yield Certificate Specials! Hurry, for a Limited Time Only.

Certificate Specials
Term	Rate	APY	Minimum to Earn APY	Compounding
15 months	3.70%	3.75%	$500	Quarterly
22 months	3.455%	3.50%	$500	Quarterly

Share, IRA, & Coverdell Certificates
Ask about our Jumbo Certificates starting at $25,000.
Term	Dividend Rate	APY	Minimum to Earn APY	Compounding
12 month	3.41%	3.45%	$500.00	Quarterly
24 month	3.21%	3.25%	$500.00	Quarterly
36 month	2.97%	3.00%	$500.00	Quarterly
48 month	2.97%	3.00%	$500.00	Quarterly
60 month	2.97%	3.00%	$500.00	Quarterly

*APY= Annual Percentage Yield. Rate accurate as of 6/2/2025 and subject to change at any time without notice. Penalty may be imposed for early withdrawal.

Calculate Your Certificate Yield

Certificate Calculator

Click for the calculator

Open a Certificate Today!

Members can now open and manage a certificate online.

Log in to online banking
Select open account in the main menu
Select open certificate
Select the type of certificate and fill out the requested information

Need help opening a certificate or want more information?

What is a Certificate?

A share certificate is similar to a certificate of deposit (CD), but is issued by a credit union, rather than a bank. You deposit a certain amount and cannot withdraw the funds during the pre-selected length of the term without penalty. At OUCU, you'll never lose principal (your original certificate amount) should you need the money early.

Certificates are a good savings option because they typically earn higher rates than savings accounts.
We believe everyone should have a chance to save so our minimum balance is $500 - lower than most other institutions!

Certificate terms: 12 months to 60 months
Minimum to open: $500 - lower than most institutions!
Jumbo certificates: earn higher rates for certificates of $25,000 or more
Dividends: compounded and paid quarterly – dividends earned can be added to the certificate or deposited into a savings account
Types of certificates: regular share, Roth IRA, & Traditional IRA

VIEW ALL CERTIFICATE RATES

Want to Learn More About How Certificates Work?

Check out this three minute article from our education partners at Banzai!

LEARN MORE

Federally Insured

Your savings and certificates are insured up to $500,000. The first $250,000 is federally insured by the National Credit Union Association (NCUA). Your next $250,000 is insured by Excess Share Insurance, the nation's largest private deposit insurer.

Our Early Withdrawal Penalty

We know that life has its ups and downs. If you need to withdraw funds from your certificate before it matures, we’ll make it as painless as possible. Although you may lose some of the interest earned (in the last 90 days or less), you’ll never lose your principal (the amount you initially deposited).

Other institutions will penalize early withdrawals by deducting from your original deposit, but we never will. You can rest assured your money will have a safe place to grow. That’s just one more OUCU advantage!