Credit union · NCUA insured
The United Methodist Credit Union CD Rates
The United Methodist Credit Union’s best CD rate is 5.00% APY on an 8-month share certificate (CD). Terms run from 6 months to 8 months. Rates checked October 22, 2026.
How The United Methodist Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where The United Methodist Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
CD Special (8-Month Certificate)
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD Special (8-Month Certificate)
5.00%APY · 1 term
Offer ended at close of business November 13, 2023; form is no longer available. Required opening with new money (funds not currently on deposit with TUMCU). Dividends compound monthly. Not eligible for IRAs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsOffer ended November 13, 2023. Maximum deposit per person $100,000. New money required. Dividends compound monthly | 5.00% | $331 |
Sources (1)
- tumcu.org/cd-special · captured Sep 19, 2026
Special 8-Month Certificate for Individuals
3.30%APY · 1 term
For individuals. No setup or ongoing fees. 90-day interest penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months | 3.30% | $219 |
Sources (1)
- tumcu.org/save/share-certificates · captured Sep 19, 2026
Share Certificate
1.11%APY · 1 term
No setup or ongoing fees. Penalty up to 90 days interest for early redemption. Rates stay fixed for selected term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–60 months | 1.11% | $55 |
Sources (1)
- tumcu.org/save/share-certificates · captured Sep 19, 2026
Special-purpose accounts
Special 15-Month Certificate
4.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsFor SecureChecking Members (must have account as of 2026-09-01) and Churches. Money transferred or deposited from outside the credit union. 90-day penalty for early withdrawal | 4.00% | $502 |
Sources (2)
All captured Sep 19, 2026
Special 8-Month Certificate for Churches
3.56%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsFor Churches. Penalties apply on early withdrawal | 3.56% | $236 |
Sources (1)
- tumcu.org/save/share-certificates · captured Sep 19, 2026
IRA Share Certificate
1.11%APY · 1 term
Offers Traditional and Roth IRAs with terms ranging from 1 year to 5 years. $30 account closing fee. 90 day penalty for early withdrawal if less than 12 months; 180 day penalty if greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–60 monthsTraditional and Roth IRAs. 90 day early withdrawal penalty if less than 12 months, 180 day penalty if greater than 12 months. $30 account closing fee | 1.11% | $111 |
Sources (1)
- tumcu.org/iras · captured Sep 19, 2026
Who can join The United Methodist Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals associated with a United Methodist Church or Organization are eligible for membership.
Military, government and schools
- Students attending or staff members of a United Methodist college or school are eligible for membership.
Family and household
- Immediate family members of current TUMCU members are eligible for membership.
Cost to join
- Approval for membership sets up a Savings account, and TUMCU deposits the initial $5 into the account.
Membership information collected October 4, 2026.