# United Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/united-federal-credit-union
Institution: United Federal Credit Union (NCUA 6288)
Aliases: United FCU
Status: live
Last verified: 2026-10-22T16:54:02.000Z (October 22, 2026)
Official source: https://unitedfcu.com/personal/bank/share-certificates
Coverage: 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.
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 Share Certificate | relationship | 3 months | $500 | 1.60% | Not ZIP-priced | −2.69% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 3 Month Share Certificate | standard | 3 months | $500 | 1.50% | Not ZIP-priced | −2.79% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 6 Month Share Certificate | relationship | 6 months | $500 | 1.65% | Not ZIP-priced | −2.75% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 6 Month Share Certificate | standard | 6 months | $500 | 1.55% | Not ZIP-priced | −2.85% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 7 Month Special Share Certificate | relationship | 7 months | $500 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 7 Month Special Share Certificate | promotional | 7 months | $500 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 12 Month Share Certificate | relationship | 12 months | $500 | 1.70% | Not ZIP-priced | −2.87% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 12 Month Share Certificate | standard | 12 months | $500 | 1.60% | Not ZIP-priced | −2.97% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 18 Month Share Certificate | relationship | 18 months | $500 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 18 Month Share Certificate | standard | 18 months | $500 | 1.65% | Not ZIP-priced | −3.07% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 21 Month Special Share Certificate | relationship | 21 months | $500 | 4.10% | Not ZIP-priced | −0.69% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 21 Month Special Share Certificate | promotional | 21 months | $500 | 4.00% | Not ZIP-priced | −0.79% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 24 Month Share Certificate | relationship | 24 months | $500 | 1.95% | Not ZIP-priced | −2.92% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 24 Month Share Certificate | standard | 24 months | $500 | 1.85% | Not ZIP-priced | −3.02% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 36 Month Share Certificate | relationship | 36 months | $500 | 2.10% | Not ZIP-priced | −2.85% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 36 Month Share Certificate | standard | 36 months | $500 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 48 Month Share Certificate | relationship | 48 months | $500 | 2.15% | Not ZIP-priced | −2.83% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 48 Month Share Certificate | standard | 48 months | $500 | 2.05% | Not ZIP-priced | −2.93% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 60 Month Share Certificate | relationship | 60 months | $500 | 2.20% | Not ZIP-priced | −2.81% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |
| 60 Month Share Certificate | standard | 60 months | $500 | 2.10% | Not ZIP-priced | −2.91% | 2026-10-22T16:54:02.000Z | [Snapshot 432](https://apyledger.com/snapshots/432) |

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.