Credit union · NCUA insured
1st United Credit Union CD Rates
1st United Credit Union’s best CD rate is 4.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How 1st United Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st United Credit Union
4.00%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $1,249
Fixed-Rate Regular Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
1st United Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st United Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fixed-Rate Regular Certificate
Up to 4.00%APY · 7 terms
Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal. Allows penalty-free withdrawal of interest at any time. Add-ons limited to $10,000 through duration of certificate if certificate has add-on feature.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 3.50% | $350 |
| 24 months | 3.75% | $764 |
| 36 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 4.00% | $1,249 |
| 48 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.75% | $1,146 |
| 60 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.25% | $1,177 |
| 84 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.00% | $1,487 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Fixed-Rate IRA Certificate
Up to 4.00%APY · 7 terms
Includes Traditional and Roth IRA wrappers. IRA certificate add-ons are subject to limits set by the IRS. Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 3.50% | $350 |
| 24 months | 3.75% | $764 |
| 36 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 4.00% | $1,249 |
| 48 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.75% | $1,146 |
| 60 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.25% | $1,177 |
| 84 monthsOne-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate | 2.00% | $1,487 |
Sources (2)
All captured Oct 6, 2026
Youth Certificate Account
3.50%APY · 1 term
For members under age 18 (youth, ages 17 and under). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires member to be under age 18 (ages 17 and under) | 3.50% | $350 |
Sources (2)
All captured Oct 6, 2026
Who can join 1st United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Employers and groups
- Membership is open to any member of one of the credit union's Select Employee Groups (SEGs).
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.
Membership information collected October 5, 2026.