Credit union · NCUA insured
American United Federal Credit Union CD Rates
Top CarrotAmerican United Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How American United Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where American United Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American United Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
Regular Certificate
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
American United Federal Credit Union CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 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 American United Federal 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.
Jumbo Certificate
Up to 4.50%APY · 7 terms
Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires GoldStar® Membership | 4.40% | — |
| 6 monthsStandard membership rate | 4.30% | — |
| 12 monthsRequires GoldStar® Membership | 4.50% | — |
| 12 monthsStandard membership rate | 4.40% | — |
| 18 monthsRequires GoldStar® Membership | 4.25% | — |
| 18 monthsStandard membership rate | 4.15% | — |
| 24 monthsRequires GoldStar® Membership | 4.25% | — |
| 24 monthsStandard membership rate | 4.15% | — |
| 36 monthsRequires GoldStar® Membership | 4.10% | — |
| 36 monthsStandard membership rate | 4.00% | — |
| 48 monthsRequires GoldStar® Membership | 4.10% | — |
| 48 monthsStandard membership rate | 4.00% | — |
| 60 monthsRequires GoldStar® Membership | 4.10% | — |
| 60 monthsStandard membership rate | 4.00% | — |
Sources (1)
- amucu.org/personal/checking-accounts/goldstar-membership · captured Sep 16, 2026
Dedicated Saver Certificate
Up to 4.00%APY · 7 terms
Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires GoldStar® Membership | 4.00% | $198 |
| 6 monthsStandard membership rate | 3.90% | $193 |
| 12 monthsRequires GoldStar® Membership | 4.00% | $400 |
| 12 monthsStandard membership rate | 3.90% | $390 |
| 18 monthsRequires GoldStar® Membership | 4.00% | $606 |
| 18 monthsStandard membership rate | 3.90% | $591 |
| 24 monthsRequires GoldStar® Membership | 4.00% | $816 |
| 24 monthsStandard membership rate | 3.90% | $795 |
| 36 monthsRequires GoldStar® Membership | 4.00% | $1,249 |
| 36 monthsStandard membership rate | 3.90% | $1,216 |
| 48 monthsRequires GoldStar® Membership | 4.00% | $1,699 |
| 48 monthsStandard membership rate | 3.90% | $1,654 |
| 60 monthsRequires GoldStar® Membership | 4.00% | $2,167 |
| 60 monthsStandard membership rate | 3.90% | $2,108 |
Sources (1)
- amucu.org/personal/savings-accounts/certificates · captured Sep 16, 2026
Regular Certificate
Up to 4.00%APY · 7 terms
Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires GoldStar® Membership | 4.00% | $198 |
| 6 monthsStandard membership rate | 3.90% | $193 |
| 12 monthsRequires GoldStar® Membership | 4.00% | $400 |
| 12 monthsStandard membership rate | 3.90% | $390 |
| 18 monthsRequires GoldStar® Membership | 4.00% | $606 |
| 18 monthsStandard membership rate | 3.90% | $591 |
| 24 monthsRequires GoldStar® Membership | 4.00% | $816 |
| 24 monthsStandard membership rate | 3.90% | $795 |
| 36 monthsRequires GoldStar® Membership | 4.00% | $1,249 |
| 36 monthsStandard membership rate | 3.90% | $1,216 |
| 48 monthsRequires GoldStar® Membership | 4.00% | $1,699 |
| 48 monthsStandard membership rate | 3.90% | $1,654 |
| 60 monthsRequires GoldStar® Membership | 4.00% | $2,167 |
| 60 monthsStandard membership rate | 3.90% | $2,108 |
Sources (1)
- amucu.org/personal/savings-accounts/certificates · captured Sep 16, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 4.50%APY · 7 terms
Requires IRA account relationship. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires GoldStar® Membership | 4.40% | — |
| 6 monthsStandard membership rate | 4.30% | — |
| 12 monthsRequires GoldStar® Membership | 4.50% | — |
| 12 monthsStandard membership rate | 4.40% | — |
| 18 monthsRequires GoldStar® Membership | 4.25% | — |
| 18 monthsStandard membership rate | 4.15% | — |
| 24 monthsRequires GoldStar® Membership | 4.25% | — |
| 24 monthsStandard membership rate | 4.15% | — |
| 36 monthsRequires GoldStar® Membership | 4.10% | — |
| 36 monthsStandard membership rate | 4.00% | — |
| 48 monthsRequires GoldStar® Membership | 4.10% | — |
| 48 monthsStandard membership rate | 4.00% | — |
| 60 monthsRequires GoldStar® Membership | 4.10% | — |
| 60 monthsStandard membership rate | 4.00% | — |
Sources (1)
- amucu.org/personal/checking-accounts/goldstar-membership · captured Sep 16, 2026
Retirement (IRA) Certificate
Up to 4.00%APY · 7 terms
Requires Retirement (IRA) Savings Account. Penalties for withdrawals made before the age of 59.5. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Occasionally offers 8 or 10-month specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires GoldStar® Membership | 4.00% | $198 |
| 6 monthsStandard membership rate | 3.90% | $193 |
| 12 monthsRequires GoldStar® Membership | 4.00% | $400 |
| 12 monthsStandard membership rate | 3.90% | $390 |
| 18 monthsRequires GoldStar® Membership | 4.00% | $606 |
| 18 monthsStandard membership rate | 3.90% | $591 |
| 24 monthsRequires GoldStar® Membership | 4.00% | $816 |
| 24 monthsStandard membership rate | 3.90% | $795 |
| 36 monthsRequires GoldStar® Membership | 4.00% | $1,249 |
| 36 monthsStandard membership rate | 3.90% | $1,216 |
| 48 monthsRequires GoldStar® Membership | 4.00% | $1,699 |
| 48 monthsStandard membership rate | 3.90% | $1,654 |
| 60 monthsRequires GoldStar® Membership | 4.00% | $2,167 |
| 60 monthsStandard membership rate | 3.90% | $2,108 |
Sources (1)
- amucu.org/personal/savings-accounts/certificates · captured Sep 16, 2026
Who can join American United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to anyone who agrees to join the Financial Fitness Association for $5.
Where you live or work
- Membership is open to individuals who live, work, or attend school in Carbon or Emery counties.
- Membership is open to individuals who live in an approved underserved area in Salt Lake County.
Employers and groups
- Membership is open to employees or members of an approved SEG group or association.
Family and household
- Membership is open to individuals related to an existing member of American United FCU.
Cost to join
- A $5 fee applies if qualifying for membership by joining the Financial Fitness Association.
- Opening a Primary, Youth, or GoldStar Savings Account requires a $5 minimum deposit at opening and maintaining a $5 minimum balance.
Membership information collected October 4, 2026.