Official Credit Union of UMass Athletics

Official Credit Union of UMass Athletics

Term Share Certificates

Term Share Certificates

UMassFive Term Share Certificates are a safe, effective way to save for any occasion. Term Share Certificates allow you to lock in a higher interest rate for a specific period of time. Term Share Certificates can be purchased quickly and easily at one of our branches or by speaking to a representative in our Contact Center.

Terms Up to Five Years

We have terms available ranging from 90 days up to five years for those who want to optimize dividends.

Low Initial Deposit

With minimum balances starting at $500, you can begin earner a higher rate sooner.

Choose Your Dividend Payment Method

You have the option to roll the interest you've earned back into the certificate. Or, if you prefer, you may request that all dividends be transferred into any Share Account on a quarterly basis or at maturity.

Term Share Certificate Rates

Product Minimum Balance Dividend Rate Annual Percentage Yield
90 Day $500 minimum 0.30% 0.30%
6 Month $500 minimum 0.55% 0.55%
9 Month $500 minimum 0.60% 0.60%
12 Month $500 minimum 0.75% 0.75%
15 Month $500 minimum 1.50% 1.51%
18 Month $500 minimum 1.75% 1.76%
22 Month $500 minimum 0.95% 0.95%
24 Month $500 minimum 1.00% 1.00%
29 Month $500 minimum 1.15% 1.15%
36 Month $500 minimum 1.35% 1.36%
48 Month $500 minimum 1.60% 1.61%
60 Month $500 minimum 1.85% 1.86%

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For questions or assistance, contact a friendly UMassFive representative today!