Bank · FDIC insured
OneUnited Bank CD Rates
OneUnited Bank’s best CD rate is 3.75% APY on a 15-month CD. Terms run from 3 months to 42 months. Rates checked October 15, 2026.
How OneUnited Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where OneUnited Bank has the most branches. $10,000, best rate first.
This bank’s best
OneUnited Bank
3.75%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $471
UNITY 15 Month CD
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
OneUnited Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.30%
- QualifiedQualified3.75%
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 OneUnited 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.
UNITY 15 Month CD
3.75%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 3.75% | $471 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 15 Month E-CD
3.75%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY · $500 – $10,000 | APY · $10,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 15 months | 3.00% | 3.75% | 3.75% | 3.75%3.00% $500–$10k3.75% from $250k | $471 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY Jumbo 15 Month CD
3.75%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 3.75% | — |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 2 Year CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.30% | $60 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 3 Year CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.30% | $90 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY Gold One Year E-CD
0.25%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY · $500 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 0.25% | 0.30% | 0.25%0.30% from $250k | $25 |
Sources (2)
All captured Oct 5, 2026
UNITY Gold Two Year E-CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY · $500 – $10,000 | APY · $10,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$10k0.30% from $250k | $60 |
Sources (2)
All captured Oct 5, 2026
UNITY Jumbo 30 Month CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 0.30% | — |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY Jumbo 42 Month CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 42 months | 0.30% | — |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 90 Day CD
0.10%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY Gold 120 Day E-CD
0.10%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY · $500 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 4 months | 0.10% | 0.10% | 0.10%0.10% from $250k | $3 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
UNITY 2 Year IRA CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.30% | $60 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 3 Year IRA CD
0.30%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.30% | $90 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
UNITY 90 Day IRA CD
0.10%APY · 1 term
Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
Sources (1)
- oneunited.com/personal-banking/todays-rates · captured Oct 5, 2026
Opening an account
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