Credit union · NCUA insured
UBI Federal Credit Union CD Rates
UBI Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How UBI Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hartford, CT, where UBI Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UBI Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Certificates
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
UBI Federal Credit Union CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- 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 UBI 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.
Certificates
Up to 4.00%APY · 9 terms
Rates are subject to change without notice. Early withdrawal of a Certificate will incur a penalty. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 4.00% | $198 |
| 12 months | 3.25% | $325 |
| 18 months | 1.75% | $264 |
| 24 months | 2.00% | $404 |
| 30 months | 2.00% | $508 |
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- ubifcu.com/grow-your-money/certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Rates are subject to change without notice. Early withdrawal of a Certificate will incur a penalty. Fees may reduce earnings. Available for Traditional, Roth, and Education IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.80% | $180 |
| 18 months | 1.80% | $271 |
| 24 months | 4.00% | $816 |
| 36 months | 2.30% | $706 |
| 48 months | 2.55% | $1,060 |
| 60 months | 3.05% | $1,621 |
Sources (1)
- ubifcu.com/grow-your-money/ira-accounts · captured Oct 15, 2026
Who can join UBI Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.