Certificates

When you want a safe, secure investment option to complement your share savings account, consider a UVA Community Credit Union certificate account. Certificates allow you to earn higher dividend rates in exchange for committing your savings for a fixed time period. The longer the term, the higher your rate of return (paid as dividends).Choose from terms that range from three to 60 months. You can decide how often you'd like us to pay dividends—monthly, quarterly or at maturity, depending upon the term. As the maturity date for your certificate approaches, we'll notify you and, at your direction, reinvest your savings into a new certificate or you can allow your certificate to automatically renew.

Certificates make it easy—and safe—to accumulate wealth for your future.

• Minimum deposits as low as $500 to open an account
• All member deposits are federally insured up to the applicable share insurance limit
• Choose certificates for personal or business savings
• No monthly service charges
• Fixed rates
• Early withdrawal penalties apply*

View our rates. Learn more about our current Certificate Promotional Rates!

We also offer IRA Certificates and Coverdell Education Savings Certificates for your retirement and education saving needs.

For information on any of our loan products, visit our Loan Overview.
For information on Online Banking and how it can help manage your finances online, view our Online Banking Overview.

Membership eligibility required. Minimum ongoing balance of $5 is required 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. 

*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.