# Union County Savings Bank CD rates

As of October 22, 2026, Union County Savings Bank's highest tracked CD rate is 4.00% APY on an 18-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.65% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/union-county-savings-bank
Institution: Union County Savings Bank (FDIC 12013)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:50.000Z (October 22, 2026)
Official source: https://unioncountysavings.com/rates/
Coverage: Statement and passbook CDs from 3 months to 5 years with a $500 minimum; the higher 3-year rate requires new money. Checking customers may qualify for a 0.10% APY bonus on select promotional CDs. IRA-only rates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month CD - Statement & Passbook | standard | 3 months | $500 | 0.65% | Not ZIP-priced | −3.65% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 4 Month CD - Statement & Passbook | standard | 4 months | $500 | 3.75% | Not ZIP-priced | −0.64% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 6 Month CD | standard | 6 months | $500 | 0.70% | Not ZIP-priced | −3.70% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 7 Month CD - Statement & Passbook | standard | 7 months | $500 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 9 Month CD - Statement & Passbook | standard | 9 months | $500 | 3.00% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 1 Year CD - Statement & Passbook | standard | 12 months | $500 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 13 Month CD - Statement & Passbook | standard | 13 months | $500 | 3.55% | Not ZIP-priced | −1.05% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 18 Month CD - Statement & Passbook | standard | 18 months | $500 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 2 Year CD / IRA - Statement & Passbook | standard | 24 months | $500 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 3 Year CD / IRA (new money only) | special | 36 months | $500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 3 Year CD / IRA (existing funds) | standard | 36 months | $500 | 2.25% | Not ZIP-priced | −2.70% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 4 Year CD | standard | 48 months | $500 | 2.35% | Not ZIP-priced | −2.63% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |
| 5 Year CD | standard | 60 months | $500 | 1.36% | Not ZIP-priced | −3.65% | 2026-10-22T16:25:50.000Z | [Snapshot 426](https://apyledger.com/snapshots/426) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.