Certificate Accounts
A Reliable Way to Boost Your Savings
A certificate account at Union Pacific Streamliner Federal Credit Union is a safe and reliable savings option designed specifically for Union Pacific employees and their families. Similar to a bank’s Certificate of Deposit (CD), a share certificate allows you to deposit a fixed amount of money for a pre-determined term. In return, you earn a guaranteed dividend rate that is typically higher than standard savings accounts. The rate remains fixed throughout the entire term of your certificate.
Whether you’re based in the office, working in the field or riding the rails, certificate accounts at Union Pacific Streamliner FCU offer you a secure way to grow your money with confidence and clarity.
Why Choose a Certificate Account at Union Pacific Streamliner FCU?
- Higher Dividends: Earn more from your savings with dividend rates that surpass traditional savings accounts.
- Guaranteed Rate: Lock in your interest rate, ensuring steady savings growth throughout the entire term.
- Flexible Terms: Choose from a range of term lengths to match your short-term or long-term financial goals.
- No Fees: Enjoy savings growth without monthly or annual fees. However, there is a penalty for early certificate closure.
Share Certificate Account Rates:
Share Savings Account | Rate | APY | Minimum Balance |
|---|---|---|---|
6-Month Share Certificate – Tier I | 3.300% | 3.35% | $1,000¹ |
6-Month Share Certificate – Tier II | 3.445% | 3.50% | $10,000¹ |
6-Month Share Certificate – Special | 3.590% | 3.65% | $95,000¹ |
12-Month Share Certificate – Tier I | 3.251% | 3.30% | $1,000² |
12-Month Share Certificate – Tier II | 3.348% | 3.40% | $10,000² |
12-Month Share Certificate – Special | 3.494% | 3.55% | $95,000² |
18-Month Share Certificate – Tier I | 3.300% | 3.35% | $1,000³ |
18-Month Share Certificate – Tier I | 3.397% | 3.45% | $10,000³ |
18-Month Share Certificate – Special | 3.542% | 3.60% | $95,000³ |
36-Month Share Certificate – Special | 3.880% | 3.95% | $95,000³ |
1. Early certificate closure will be assessed a 90-day interest penalty fee.
2. Early certificate closure will be assessed a 120-day interest penalty fee.
3. Early certificate closure will be assessed a 180-day interest penalty fee
Interest rates are subject to change and may change after the account is opened. Fees may reduce earnings.
Additional Services
Download the Union Pacific Streamliner FCU Mobile App
Banking on the go? Our mobile app for digital banking makes managing your accounts convenient, secure and effortless. Transfer funds, deposit a check, pay your bills and much more.
