UFCU (University Federal Credit Union) CD & Share Certificate Rates — October 2026
As of October 22, 2026, UFCU (University Federal Credit Union)'s highest tracked CD (share certificate) rate is 4.10% APY on a 24-month CD. That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 4.10% APY.
Tracking began .
UFCU (University Federal Credit Union) CD & share certificate rates
Membership required. Fixed-rate share certificates from 3 to 60 months, including a 24-month Step-Up certificate. The variable-rate Early Saver Certificate is excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Fixed-Rate Certificate | Not stated | 3.25% | −1.04% | Verified October 22, 2026 |
| 6 months | Fixed-Rate Certificate | Not stated | 3.70% | −0.70% | Verified October 22, 2026 |
| 12 months | Fixed-Rate Certificate | Not stated | 3.50% | −1.07% | Verified October 22, 2026 |
| 18 months | Fixed-Rate Certificate | Not stated | 3.55% | −1.17% | Verified October 22, 2026 |
| 24 months | Fixed-Rate Certificate | Not stated | 4.10% | −0.77% | Verified October 22, 2026 |
| 24 months | Fixed-Rate Certificate Step-Up | Not stated | 3.95% | −0.92% | Verified October 22, 2026 |
| 36 months | Fixed-Rate Certificate | Not stated | 3.60% | −1.35% | Verified October 22, 2026 |
| 48 months | Fixed-Rate Certificate | Not stated | 3.70% | −1.28% | Verified October 22, 2026 |
| 60 months | Fixed-Rate Certificate | Not stated | 3.70% | −1.31% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are UFCU (University Federal Credit Union)'s best CD rates by term?
UFCU (University Federal Credit Union)'s best rate is 4.10% APY on 24 months, verified October 22, 2026.
- 3 mo3.25%
- 6 mo3.70%
- 12 mo3.50%
- 18 mo3.55%
- 24 mo4.10%
- 36 mo3.60%
- 48 mo3.70%
- 60 mo3.70%
How much interest could a UFCU (University Federal Credit Union) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 48 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
How UFCU (University Federal Credit Union) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 72 of 354 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| UFCU (University Federal Credit Union) (this institution)Fixed-Rate Certificate · Standard | 24 months | Not stated | Membership required · branches in TX | 4.10% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking UFCU (University Federal Credit Union) on October 22, 2026.
About UFCU (University Federal Credit Union)
- Legal name
- University Federal Credit Union
- Regulator ID
- NCUA 1367
- Headquarters
- Austin, TX
- Available in
- TX
- Total assets
- $4.3 billion
- Also known as
- UFCU
- Website
- www.ufcu.org
Source: rates read from https://ufcu.org/resources/tools/rates-fees. See the page text we read.
Frequently asked questions
What is the highest CD rate at UFCU (University Federal Credit Union)?
Among the rates we track, 4.10% APY on a 24-month CD, as of October 22, 2026.
How does UFCU (University Federal Credit Union)'s best CD rate compare with Treasury yields?
4.10% APY is −0.77% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are UFCU (University Federal Credit Union) CDs insured?
UFCU (University Federal Credit Union) is a federally insured credit union (NCUA 1367). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at UFCU (University Federal Credit Union)?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check UFCU (University Federal Credit Union)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from UFCU (University Federal Credit Union)'s website and may change at any time. Confirm terms, minimums and eligibility with UFCU (University Federal Credit Union) before opening an account. This page is not financial advice.