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Certificate Rates

Rates, terms and conditions are subject to change without notice. Effective as of January 24, 2023.

Term Compounding Minimum Deposit*** Dividend Rate APY*
3 Month N/A** $500 0.5000% 0.50%
6 Month N/A** $500 1.0000% 1.00%
7 Month N/A** $500 2.5000% 2.50%
1 Year Quarterly $500 1.4916% 1.50%
13 Month Quarterly $500 2.9668% 3.00%
2 Year Quarterly $500 1.9852% 2.00%
25 Month Quarterly $500 3.4550% 3.50%
3 Year Quarterly $500 2.0837% 2.10%
4 Year Quarterly $500 2.1821% 2.20%
5 Year Quarterly $500 2.3296% 2.35%

*APY = Annual Percentage Yield

**Members may choose to have dividends credited to their accounts monthly or at maturity.

***Minimum deposit to open account

****Current rate is 2.50% with an APY of 2.50% for a 7-month term or current rate is 2.9968% with an APY of 3.00% for a 13-month term or current rate is 3.455% with an APY of 3.50% for a 25-month term. All three are effective January 3, 2023. UVA Community Credit Union reserves the right to end or modify this offer at any time without notice. Excludes IRA and ESA Share Certificates. This 7-month. 13-month, and 25-month Share Certificate have a $500 minimum opening and ongoing balance requirement. Existing members can contribute up to $100,000 with funds held at the Credit Union per promotional certificate. Maximum deposit for each certificate is $200,000. Limit of one promotional certificate term per member. At maturity the promotional 7-month certificate will renew with a 6-month term at the prevailing rate unless otherwise instructed. At maturity the promotional 13-month certificate will renew with a 1-year term at the prevailing rate unless otherwise instructed. At maturity the promotional 25-month certificate will renew with a 24-month term at the prevailing rate unless otherwise instructed. Early withdrawal penalties apply; 90 day dividend loss for the 7-month promotional certificate, 180 day dividend loss for the 25-month promotional certificate. Other restrictions may apply.

Early withdrawal penalty of 45 day dividend loss if maturity term is less than 3 months, 90 day dividend loss if the maturity term is one year or less, 180 day dividend loss if the maturity term is more than one year. 

Fees may reduce earnings.

Membership requires a minimum ongoing balance of $5 in a UVA Community Credit Union Share Savings Account. A one-time $5 membership fee may apply if not currently a UVA Community Credit Union member. Insured by NCUA.

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