Accounts that put your Savings on Cruise Control
Got a specific savings goal? You might want an account that helps you save faster than a regular savings account. With a UFirst Certificate, you can earn more on your money. We've got a few different options to choose from:
- UFirst Certificate Account
- Savings Builder Certificate Account
- Lucky Savers Certificate
Not sure which one's your perfect match? No worries - our team is ready to help.
Compare the Difference
UFirst Certificate Account | Savings Builder Certificate | |
|---|---|---|
Type of Saver | Savers with larger initial deposits, long-term goals | Savers starting small, saving regularly |
Requirements | $500 minimum deposit to open, early withdrawal penalties | $10 minimum to open, fixed term of 12 months |
Benefits | Terms up to 48 months | Automatic deposits via Direct Deposit |
Service Charge | No maintenance fees | No maintenance fees |
Interest | Fixed rates, higher than regular savings, Certificate Relationship Bonus | Higher dividends than regular savings, higher rate with UFirst Checking Account |
Additional Features | Higher dividends for longer terms | Save small increments automatically |
Lucky Savers
Lucky savers is our free Save to Win prize-linked savings program that rewards members for contributing to their own savings account.
When you open a 12-month Lucky Savers share certificate with at least $25, you’ll be entered to win monthly and quarterly prizes. Not only are you gaining regular dividends on your savings, but with each additional deposit of $25, you get more chances to win! Members can earn up to 10 entries per month, so the more you save, the more chances you have to win.
With monthly and quarterly prizes ranging from $25 to $5,000, members save money, gain interest and have a chance at great cash prizes. That’s a WIN WIN…for you!! Click the buttons below to view the official rules and contact UFirst to open an account.
What is Lucky Savers?
It's a special term deposit account at UFirst Credit Union that helps you build your savings while giving you a chance to win monthly and quarterly cash prizes! Every $25 deposit (up to $250 per month) into this account gets you a chance to win - up to 10 chances every month. Plus, all the money deposited into the Lucky Savers account is still yours and helps to build your savings.
How do I open an account?
You can open a Lucky Savers account by visiting one of our convenient branch locations. You can even set up direct deposit or scheduled transfers to increase your chance to win.What are the prizes?
- Each $25 deposit gives you a chance to win a quarterly prize of up to $5,000
- Each $25 deposit gives you a chance to win a monthly prize of up to $100
What are the requirements to open a Lucky Savers account?
- Must be 18 years of age or older
- A XYZ Credit Union member with accounts in good standing
- Business and Trust accounts are not eligible for this account
What is a term deposit account?
A term deposit account is a special savings account. You earn a specified dividend if the term deposit account is held for the full term; in the case of Lucky Savers, the term is 12 months.
What's the dividend rate?
View current deposit rates here (link to your credit union rates page – make sure Lucky Savers accounts are included)Why should I open a Lucky Savers account?
It pays to save! You can win monthly and quarterly prizes! With regular deposits into your Lucky Savers account, you are guaranteed to have money saved at the end of the year.
Certificate Relationship Bonus
Because you're an awesome member, you may be eligible for a bonus on a regular certificates *APY. The rate bonus is applied to the *APY offered on the certificate selected at the time of opening. Contact our team to learn more.
Contact Us Online
*APY - Annual Percentage Yield. Rate bonus available to qualified members. Bonus will be applied through the expiration of the certificate and is not automatically applied to renewals. Bonus does not apply to certificate specials. UFirst reserves the right to end its Certificate Relationship Bonus program at any time without notice. For more information, read our Truth in Savings Disclosure.