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Credit union · NCUA insured

U-1st Community Federal Credit Union CD Rates

U-1st Community Federal Credit Union’s best CD rate is 3.03% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.

How U-1st Community Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Carlsbad, NM, where U-1st Community Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    U-1st Community Federal Credit Union

    3.03%APY

    Term
    12 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $303

    Certificates of Deposit

  • Top rate

    Artesia Credit Union

    4.32%APY

    Term
    12 months
    Requires
    None
    Minimum
    $5,000
    Earns on $10,000
    $432

    Artesia Credit Union rates

  • 2nd-highest rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

Compare CD rates near you →

U-1st Community Federal Credit Union CD score

64

CD score

Higher than 11% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.78%
  • 9–15 months9–15 mo3.03%
  • 16–30 months16–30 mo1.28%
  • QualifiedQualified3.03%

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.

How the score works →

Where U-1st Community 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.

Who can join U-1st Community Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Eddy County, New Mexico.

Family and household

  • Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons.

Other ways

  • Members of the credit union as of January 13, 2000.

Cost to join

  • $26.00 required to establish Membership Account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← U-1st Community Federal Credit Union overview