# Unitus Community Credit Union CD and share certificate rates

As of October 22, 2026, Unitus Community Credit Union's highest tracked CD (share certificate) rate is 3.65% APY on a 12-month CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.65% APY.

Canonical page: https://apyledger.com/cd-rates/unitus-community-credit-union
Institution: Unitus Community Credit Union (NCUA 63440)
Aliases: 
Status: live
Last verified: 2026-10-23T02:27:43.000Z (October 22, 2026)
Official source: https://www.unitusccu.com/rates/personal/
Coverage: Membership required. Certificates from 6 to 60 months with a $500 minimum opening deposit. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $500 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 6 months | $20,000 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 6 months | $50,000 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 12 months | $500 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 12 months | $20,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 12 months | $50,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 18 months | $500 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 18 months | $20,000 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 18 months | $50,000 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 24 months | $500 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 24 months | $20,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 24 months | $50,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 36 months | $500 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 36 months | $20,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 36 months | $50,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 48 months | $500 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 48 months | $20,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 48 months | $50,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 60 months | $20,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |
| Certificate of Deposit | standard | 60 months | $50,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:27:43.000Z | [Snapshot 895](https://apyledger.com/snapshots/895) |

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.