Bank · FDIC insured
First United Bank CD Rates
First United Bank’s best CD rate is 3.55% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How First United Bank’s CD rates compare
Compared with banks and credit unions near Lubbock, TX, where First United Bank has the most branches. $10,000, best rate first.
This bank’s best
First United Bank
3.45%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $345
Regular Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
First United Bank CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.45%
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 First United Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate of Deposit
Up to 3.55%APY · 9 terms
Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 30 Days. Early withdrawal penalty may apply | 2.25% | — |
| 3 monthsTerm: 90 Days. Early withdrawal penalty may apply | 2.85% | — |
| 6 monthsTerm: 180 Days. Early withdrawal penalty may apply | 3.25% | — |
| 12 monthsTerm: 1 Year. Early withdrawal penalty may apply | 3.55% | — |
| 18 monthsTerm: 18 Months. Early withdrawal penalty may apply | 3.45% | — |
| 24 monthsTerm: 2 Years. Early withdrawal penalty may apply | 3.25% | — |
| 36 monthsTerm: 3 Years. Early withdrawal penalty may apply | 3.15% | — |
| 48 monthsTerm: 4 Years. Early withdrawal penalty may apply | 3.10% | — |
| 60 monthsTerm: 5 Years. Early withdrawal penalty may apply | 3.00% | — |
Sources (2)
All captured Sep 25, 2026
Regular Certificate of Deposit
Up to 3.45%APY · 9 terms
Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 30 Days. Early withdrawal penalty may apply | 2.15% | $18 |
| 3 monthsTerm: 90 Days. Early withdrawal penalty may apply | 2.75% | $68 |
| 6 monthsTerm: 180 Days. Early withdrawal penalty may apply | 3.15% | $156 |
| 12 monthsTerm: 1 Year. Early withdrawal penalty may apply | 3.45% | $345 |
| 18 monthsTerm: 18 Months. Early withdrawal penalty may apply | 3.35% | $507 |
| 24 monthsTerm: 2 Years. Early withdrawal penalty may apply | 3.15% | $640 |
| 36 monthsTerm: 3 Years. Early withdrawal penalty may apply | 3.05% | $943 |
| 48 monthsTerm: 4 Years. Early withdrawal penalty may apply | 3.00% | $1,255 |
| 60 monthsTerm: 5 Years. Early withdrawal penalty may apply | 2.90% | $1,537 |
Sources (2)
All captured Sep 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.