United Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, United Federal Credit Union's highest tracked CD (share certificate) rate is 4.10% APY on a 7-month relationship CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.50% to 2.10% APY.
Tracking began .
United Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months plus 7- and 21-month specials, $500 minimum. Each term is listed at its base APY and at a 0.10% higher bonus APY that requires the tax-reported owner to also own an Ultra Checking account. Liquid, Bump-Up, Youth and Ladder certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | 3 Month Share Certificate Relationship | 1.60%Top 71% · $10k reference sampleVerified October 22, 2026 |
| 3 months | 3 Month Share Certificate | 1.50%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6 Month Share Certificate Relationship | 1.65%Top 83% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6 Month Share Certificate | 1.55%Top 85% · $10k reference sampleVerified October 22, 2026 |
| 7 months | 7 Month Special Share Certificate Relationship | 4.10%Verified October 22, 2026 |
| 7 months | 7 Month Special Share Certificate Promotional | 4.00%Verified October 22, 2026 |
| 12 months | 12 Month Share Certificate Relationship | 1.70%Top 85% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Share Certificate | 1.60%Top 86% · $10k reference sampleVerified October 22, 2026 |
| 18 months | 18 Month Share Certificate Relationship | 1.75%Top 88% · $10k reference sampleVerified October 22, 2026 |
| 18 months | 18 Month Share Certificate | 1.65%Top 89% · $10k reference sampleVerified October 22, 2026 |
| 21 months | 21 Month Special Share Certificate Relationship | 4.10%Verified October 22, 2026 |
| 21 months | 21 Month Special Share Certificate Promotional | 4.00%Verified October 22, 2026 |
| 24 months | 24 Month Share Certificate Relationship | 1.95%Top 81% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Share Certificate | 1.85%Top 82% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Share Certificate Relationship | 2.10%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Share Certificate | 2.00%Top 77% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Share Certificate Relationship | 2.15%Top 73% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Share Certificate | 2.05%Top 74% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60 Month Share Certificate Relationship | 2.20%Top 73% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60 Month Share Certificate | 2.10%Top 75% · $10k reference sampleVerified 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.
Watch the renewal rate
The best promotional rate here is 4.00% APY (7 months). The standard rate for a similar term is 1.55% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $245 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are United Federal Credit Union's best CD rates by term?
United Federal Credit Union's best rate is 4.10% APY on 7 months, verified October 22, 2026.
- 3 mo1.60%
- 6 mo1.65%
- 7 mo4.10%
- 12 mo1.70%
- 18 mo1.75%
- 21 mo4.10%
- 24 mo1.95%
- 36 mo2.10%
- 48 mo2.15%
- 60 mo2.20%
How much interest could a United 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.
$237.26 interest · $10,237.26 at maturity on $10,000.00.
4.10% APY · 7 months · 7 Month Special Share Certificate · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $19.831.60% APY · 3 Month Share Certificate · Relationship | $39.651.60% APY · 3 Month Share Certificate · Relationship | $99.131.60% APY · 3 Month Share Certificate · Relationship | $198.271.60% APY · 3 Month Share Certificate · Relationship |
| 6 months | $41.191.65% APY · 6 Month Share Certificate · Relationship | $82.391.65% APY · 6 Month Share Certificate · Relationship | $205.971.65% APY · 6 Month Share Certificate · Relationship | $411.941.65% APY · 6 Month Share Certificate · Relationship |
| 7 months | $118.634.10% APY · 7 Month Special Share Certificate · Relationship | $237.264.10% APY · 7 Month Special Share Certificate · Relationship | $593.144.10% APY · 7 Month Special Share Certificate · Relationship | $1,186.284.10% APY · 7 Month Special Share Certificate · Relationship |
| 12 months | $85.001.70% APY · 12 Month Share Certificate · Relationship | $170.001.70% APY · 12 Month Share Certificate · Relationship | $425.001.70% APY · 12 Month Share Certificate · Relationship | $850.001.70% APY · 12 Month Share Certificate · Relationship |
| 18 months | $131.941.75% APY · 18 Month Share Certificate · Relationship | $263.891.75% APY · 18 Month Share Certificate · Relationship | $659.721.75% APY · 18 Month Share Certificate · Relationship | $1,319.451.75% APY · 18 Month Share Certificate · Relationship |
| 21 months | $364.394.10% APY · 21 Month Special Share Certificate · Relationship | $728.794.10% APY · 21 Month Special Share Certificate · Relationship | $1,821.974.10% APY · 21 Month Special Share Certificate · Relationship | $3,643.954.10% APY · 21 Month Special Share Certificate · Relationship |
| 24 months | $196.901.95% APY · 24 Month Share Certificate · Relationship | $393.801.95% APY · 24 Month Share Certificate · Relationship | $984.511.95% APY · 24 Month Share Certificate · Relationship | $1,969.011.95% APY · 24 Month Share Certificate · Relationship |
| 36 months | $321.662.10% APY · 36 Month Share Certificate · Relationship | $643.322.10% APY · 36 Month Share Certificate · Relationship | $1,608.312.10% APY · 36 Month Share Certificate · Relationship | $3,216.612.10% APY · 36 Month Share Certificate · Relationship |
| 48 months | $444.072.15% APY · 48 Month Share Certificate · Relationship | $888.132.15% APY · 48 Month Share Certificate · Relationship | $2,220.342.15% APY · 48 Month Share Certificate · Relationship | $4,440.672.15% APY · 48 Month Share Certificate · Relationship |
| 60 months | $574.742.20% APY · 60 Month Share Certificate · Relationship | $1,149.482.20% APY · 60 Month Share Certificate · Relationship | $2,873.692.20% APY · 60 Month Share Certificate · Relationship | $5,747.382.20% APY · 60 Month Share Certificate · Relationship |
How United 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 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 63 tracked institutions with fresh 213-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| United Federal Credit Union (this institution)7 Month Special Share Certificate · Relationship | 7 months | $500 | Coverage: AR, IN, MI, NC, NV, OH, PA | 4.10% | October 22, 2026 |
| Genisys Credit UnionCertificate Special · Promotional | 7 months | $500 | Coverage: MI, MN | 4.50% | October 22, 2026 |
| Credit Union ONE (Michigan)Certificate of Deposit Promotional · Promotional | 7 months | $1,000 | Coverage: MI | 4.33% | October 22, 2026 |
| WSFS BankFixed Rate CD · Promotional | 7 months | $2,500 | Coverage: DE, NJ, PA | 4.25% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking United Federal Credit Union on October 22, 2026.
About United Federal Credit Union
- Legal name
- United Federal Credit Union
- Regulator ID
- NCUA 6288
- Headquarters
- St. Joseph, MI
- Available in
- AR, IN, MI, NC, NV, OH, PA
- Total assets
- $4.4 billion
- Also known as
- United FCU
- Website
- www.unitedfcu.com
Source: rates read from https://unitedfcu.com/personal/bank/share-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at United Federal Credit Union?
Among the rates we track, 4.10% APY on a 7-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a United Federal Credit Union CD?
The lowest minimum we found is $500.
How does United Federal Credit Union's best CD rate compare with Treasury yields?
4.10% APY is −0.33% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% 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 United Federal Credit Union CDs insured?
United Federal Credit Union is a federally insured credit union (NCUA 6288). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at United 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 United 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 United Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with United Federal Credit Union before opening an account. This page is not financial advice.