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LifeCU Mobile

Free - On the App Store

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LifeCU Mobile

Free - On the App Store

Term Certificates

Good things come to those who wait

Earn more interest by setting some of your money aside

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  • What is a term certificate?

    A term certificate is certificate of deposit with varying terms of maturity. You agree to leave your money untouched in the account for a specific term, and in exchange you’ll get a higher interest rate.

    Savings made simple

    At LifeCU, we aim to make it easy to save. We know that when our members feel financially savvy and secure, it benefits everyone in the long run. When you get a term certificate with us, you’ll enjoy flexibility, an excellent rate, and personalized attention. Have questions about whether a term certificate is right for you? Just reach out. Our highly-trained staff is always ready to help our members succeed financially.

    • Terms up to 60 months
    • Higher interest rates for longer terms
    • Personalized customer service
  • Term Certificates

    Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Dividends Compounded & Credited
    6 month 1.40% 1.40% $1000 $1000 at maturity
    12 month 1.70% 1.70% $1000 $1000 at maturity
    18 month 1.75% 1.75% $1000 $1000 at maturity
    24 month 2.10% 2.10% $1000 $1000 at maturity
    36 month 2.30% 2.30% $1000 $1000 at maturity
    48 month 2.50% 2.50% $1000 $1000 at maturity
    60 month 2.75% 2.75% $1000 $1000 at maturity

    90-Day Certificate

    Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Dividends Compounded & Credited Dividend Period
    0.25% 0.25% n/a n/a at maturity at maturity

    Flex Certificate*

    Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Dividends Compounded & Credited Dividend Period
    Variable Variable Variable Variable at maturity at maturity

    *Flex Certificate terms, rate and maturity are determined at the time of account opening.

  • Frequently Asked Questions

    • We have terms starting at 6 months and going all the way up to 60.

    • Yes. The minimum opening balance is $1,000.

Start saving smarter

Reach out to us to start saving today.

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Holiday Closing Reminder

Life Credit Union will be closed on Thursday and Friday, November 22-23, in observance of the Thanksgiving holiday. Happy Thanksgiving!
*Even on holidays or after hours, you can access your account through our app, online banking, or audio response.