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Make your money work harder for you. With a certificate, you earn higher dividends for your commitment to a specific term.

EPFCU offers a variety of certificate products including Bump Up, SmartSaver, Pot of Gold, IRAs, and even Jumbo Certificates*.

Bump Up Certificates

Don’t get stuck with low earnings on your long-term certificates. Our Bump Up Term Share Certificate allows you to secure a higher dividend rate for your investments in a rising-rate environment. If our rates go up, yours can too!

With a Bump Up certificate your rate may be "bumped up” once during the term of your certificate to our higher prevailing rate for that same term.
  • Minimum deposit is $1,000.
  • Terms of 48 or 60 months.
Dividends rates are determined at the discretion of the board of directors. Dividends are compounded and paid monthly; a penalty may apply if the certificate is redeemed prior to maturity.

SmartSaver Certificates

Certificates are available to fit every budget.
  • Minimum deposit is $1,000.
  • Minimum term is 6 months.
Dividend rates vary and are determined at the discretion of the board of directors. Dividends are compounded daily and paid monthly; a penalty may be imposed for early withdrawal.

Pot of Gold Certificates

Pot of Gold certificates are special "contract" savings certificates. You set your goal and begin saving toward it on a regular basis by payroll distribution or automated e-Transfer. Once your goal is met, you receive the balance, including compounded dividends!
  • Minimum deposit is $6 weekly.
  • Maturity may extend for 4 to 6 years.
Dividend rates for the Regular Edition vary to reflect market conditions.
Get started today:
*Inquire about Jumbo Certificates at any branch or call 202-874-3210.