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 any time, choose to renew or close at maturity
  • 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, visit a branch, or fill out the form below, and we’ll connect you with our team of member-specialists!

5.25% APY* New Money Certificate

Save Smart, Live Large

Grow your savings to new heights with a competitive 5.25% APY* on a 9-Month New Money Certificate. Make your money climb with a low minimum deposit of just $1,000 in new-to-USCCU funds! Limited-time offer.

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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 7/22/2024
All rates and terms subject to change without notice.

Term, Dividend Rate, and APY for Share Certificates (CDs)
TermDividend RateAPY**
3 Months2.960%3.00%
6 Months3.300%3.35%
12 Months3.590%3.65%
24 Months3.397%3.45%
36 Months3.445%3.50%
48 Months3.494%3.55%
60 Months3.542%3.60%

*APY = Annual Percentage Yield. APY is accurate as of 7.22.2024. Fees may reduce earnings. Early withdrawal penalties apply.

**$1000.00 minimum.

Calculate Your Savings


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.


  • Checking Accounts

    Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

  • IRAs

    Invest in your future. Make tax-deductible annual contributions with a traditional Individual Retirement Account (IRA). Earn tax-free, compounded growth with a Roth IRA.

  • Family Membership

    Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household - they’re all invited to become a member owner!


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.

*5.25% APY 9-Month New Money Certificate: *APY=Annual Percentage Yield is accurate as of 3/21/24. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877-670-5860) or visit to confirm eligibility. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature, a 9-month term certificate will automatically roll over to a 12-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Promotional offer cannot be combined with any other offers.