Certificate Accounts
Want the best rates around for your money—and don’t mind waiting a little while?
Like friendships, fine wine, and Keanu Reeves, money ages well. Choose from various options, terms, and earning levels to meet your financial goals.
More Ways UMe Certificates Can Help U Grow Your Wealth
Flexible terms
Terms range from six to 60 months (longer terms = better earnings).
Minimum $2,000 opening deposit
Open a Certificate with $2,000 or a Jumbo Certificate with $50,000.
No Monthly Fee
We’re here to help you save as much as possible.
Use as Collateral
You can use your Certificate Account as collateral to secure a loan.
UMe Credit Union CD Rates
|
TERMS |
MINIMUM BALANCE* |
DIVIDEND RATE |
APY** |
|---|---|---|---|
|
*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Personal Bankers for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. Additional 0.10% for Jumbo Certificates $50,000 and more. **APY is Annual Percentage Yield. |
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|
TERMS 6 to 11 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.00% |
APY** 3.04% |
|
TERMS 12 month Special Certificate |
MINIMUM BALANCE* $50,000 |
DIVIDEND RATE 4.60% |
APY** 4.70% |
|
TERMS 12 to 23 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.50% |
APY** 3.56% |
|
TERMS 24 to 35 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.40% |
APY** 3.45% |
|
TERMS 36 to 47 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.35% |
APY** 3.40% |
|
TERMS 48 to 59 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.40% |
APY** 3.45% |
|
TERMS 60 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.45% |
APY** 3.51% |
Your Deposits are Secure
Enjoy peace of mind knowing that the National Credit Union Administration (NCUA) insures your money up to $250,000 per depositor, per account.
The NCUA is an independent federal agency that provides this insurance. The coverage comes at no additional cost and requires no extra steps to sign up.
Simply open a UMe Certificate account and rest easy. We’ve got U covered.
— Courage M., Burbank, CAI love UMe! Credit unions are my go to for banking and UMe is #1
it’s a great environment to walk into – fun, helpful and friendly staff everywhere! Nothing but good things to say about this place, I’m so happy to be part of the UMe fam :).
How to Open a UMe Certificate in Three Easy Steps
View the Rates
Check out our CD Rates and select the term and APY that best meets your financial goals.
Visit or Call
Stop by our branch or call us at (818) 238-2900 to open a Term Share Certificate.
Fund Your Certificate
Deposit money into your new CD and smile as you watch your money grow!
Why choose UMe to open a certificate?
At UMe, we pride ourselves on being more than just another local Burbank financial institution. We’re committed to providing personalized service and building long-lasting relationships with our members. Unlike big banks, UMe is a not-for-profit credit union owned by its members. This means that your success is our success. We work hard to provide higher savings rates, better loan rates, and lower fees than traditional banks.
We donate thousands of dollars and volunteer hours annually to Burbank schools and local nonprofits. In 2023, we gave $10,297 to Leadership Burbank, Kiwanis Club of Burbank, HomeAgain L.A., and more. We also awarded Burbank students $5,000 in scholarship funds through our UMe Super Awesome Scholarship.
Ready to become a member of the UMe credit union family? Establish your membership by opening a savings account to unlock a world of financial opportunities. You can join UMe if you live, work, worship, attend school, or belong to an organization in Burbank.
Don’t meet these requirements? No worries! You can still qualify for membership by making a $10 donation to the Burbank Arts & Education Foundation.
Click the link below to fill out an online member application, or stop by our Burbank Magnolia Boulevard branch to get started.
UMe Certificate Accounts FAQ
There is absolutely no difference between all those terms. They all refer to the same thing—a UMe Certificate Account. No matter how you say it, it’s an excellent way to save for your future goals!
The minimum amount needed to open a deposit account at UMe depends on your selected CD option. Our regular Certificates require a $2,000 minimum deposit. You’ll need to deposit at least $50,000 to open a Jumbo Certificate. You also must maintain a $2,000 or $50,000 minimum balance throughout your chosen term.
Our certificate account annual percentage yields (APY) are typically higher than regular savings accounts. This means your money grows faster due to the higher interest rate and power of compounding interest. Investing in a certificate of deposit CD with us can significantly enhance your savings potential over time.
You will incur early withdrawal penalties if you withdraw your money before the term ends. Our friendly member service team can provide details about these fees and how they apply to your account. Please contact us for more information.
UMe stands out by offering CDs with competitive fixed interest rates that ensure a stable return. We’re dedicated to serving our members with secure savings growth, personalized financial services, and federally insured accounts for added peace of mind.