Share Certificates

Lock in our best yields on your terms.

As a member-owner, you’ll earn you a guaranteed return when you lock in a Share Certificate for a specific term. You not only earn our best yields, but you choose the deposit amount and terms. Ladder USC Credit Union Share Certificates of different amounts and terms to earn more from your investment when rates rise. 

  • Invest as little as $1,000
  • High APYs for a great return
  • At maturity, choose to renew or withdraw funds
  • No monthly maintenance or transaction fees1
  • Available in branch, by phone and online banking 
  • Backed by NCUA insurance

Members: Log in to your member portal, call us, or visit a branch to open your new account.

Non-Members: Apply for membership, call us, or visit a branch.

MoneySense

A ladder is a strategy where you spread your investment over several share certificates of different term lengths. (The longer the term, the higher the rate of interest.) Let’s say you have $10,000 to invest. Picture a ladder with five rungs. You could split your investment into five equal amounts of $2,000 with term lengths that increase as you move up the rungs from three months to five years. When the three-month certificate matures, you reinvest that amount ($2,000+ interest) in a longer term certificate. You move up the ladder, repeating that strategy with each maturity date – and multiplying your earnings as you go.

Share Certificates Rates*

Rates accurate as of 3/14/2025
All rates and terms subject to change without notice.

Term, Dividend Rate, and APY for Share Certificates (CDs)
TermDividend RateAPY**
3 Months3.203%3.25%
6 Months3.445%3.50%
12 Months3.928%4.00%
24 Months3.445%3.50%
36 Months3.445%3.50%
48 Months3.445%3.50%
60 Months3.445%3.50%

*APY = Annual Percentage Yield. APY is accurate as of 3.14.2025. Fees may reduce earnings. Early withdrawal penalties apply.

**$1000.00 minimum.

Calculate Your Savings




i

APY stands for “annual percentage yield.” It’s the rate of return on your money, or how much money your money earns over time.

$32,850.18 Your total balance

Interest earned by month 15:

  • Your earnings$11847.00
  • Compared APY$3030.44

Total interest earned = $12850.18

Choose your terms. Watch your money multiply.

Earn our best yields on your choice of terms with Share Certificates. Open online or at any branch

I have had savings and checking accounts at USC Credit Union for 38 years, and I am very happy with these services.

-Trisha

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      *4.00% APY 36-Month No-Penalty Certificate: USC Credit Union offers a special 36-month new money certificate with a no-penalty option for members affected by the Eaton, Hurst, or Pacific Palisades wildfires in California. This certificate features an Annual Percentage Yield (APY) of 4.00%, effective as of February 24, 2025. This APY is not a variable rate and will not change during the term of the certificate. However, all credit union programs, rates, terms, and conditions are subject to change after account opening. Membership in USC Credit Union is required, and eligibility can be confirmed visiting http://www.usccreditunion.org/. This offer is limited to new money deposits from external financial institutions; existing USCCU funds are ineligible. A minimum deposit of $1,000 is needed, and there is no maximum deposit limit. This certificate will automatically renew for another 36 months at the current APY upon maturity. Members directly affected by the Eaton, Hurst, or Pacific Palisades wildfires in California - whether they reside or work in the affected areas or have experienced job loss or income reduction - may make early withdrawals (partial or full) or close their certificates before maturity without penalty. This offer does not apply to Individual Retirement Accounts (IRAs) or Share/Certificate Secured Loans. As for term share accounts, this certificate does not compound dividends; therefore, required dividend payouts will be credited at the end of the certificate's term, provided the account remains open until the dividends are due. Dividends will not be earned if the share certificate is closed before the dividends are credited at the end of each month. For more details, please refer to the Account Agreement and Truth-In-Savings Disclosures. Promotional offers cannot be combined with any other offers and may be subject to change without notice.

      1View our Schedule of Fees for details on account fees.

      USCCU pays a bonus rate on all certificates of $50,000 or more. Bonus rate does not apply to special certificate promotions. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. Rates may vary after account is opened.

      Your shares are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.