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Overview
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
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Rates
Term Certificates
Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Dividends Compounded & Credited 6 month 0.45% 0.45% $1000 $1000 at maturity 12 month 0.55% 0.55% $1000 $1000 at maturity 18 month 0.60% 0.60% $1000 $1000 at maturity 24 month 0.65% 0.65% $1000 $1000 at maturity 36 month 0.75% 0.75% $1000 $1000 at maturity 48 month 0.85% 0.85% $1000 $1000 at maturity 60 month 1.00% 1.00% $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 0.20% 0.20% 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.
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Questions
Frequently Asked Questions
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We have terms starting at 6 months and going all the way up to 60.
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Yes. The minimum opening balance is $1,000.
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