Credit union · NCUA insured
UCCU CD Rates
Top CarrotUCCU’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 30, 2026.
How UCCU’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
UCCU
4.05%APY
- Minimum
- $500
- Earns on $10,000
- $405
Personal Certificate
Find the best 12-month CD rates →
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal Certificate
Up to 4.50%APY · 7 terms
Must maintain minimum required shares ($5.00 par value, 2 shares at $2.50) and pay a $5.00 nonrefundable membership fee. Dividends calculated by daily balance method and credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.90% | $96 |
| 6 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.90% | $193 |
| 12 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.05% | $405 |
| 24 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $920 |
| 36 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.40% | $1,379 |
| 48 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.45% | $1,902 |
| 60 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $2,462 |
Sources (1)
- uccu.com/wp-content/uploads/20…savings-certificates.pdf · captured Oct 30, 2026
Add On Certificate
Up to 4.24%APY · 2 terms
Additional deposits allowed at current Add-on rate. Must maintain minimum required shares ($5.00 par value) and pay a $5.00 nonrefundable membership fee. Dividends credited monthly. Early withdrawal penalty applies. Add On feature may not be available at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Additional deposits allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.24% | $210 |
| 12 monthsFixed rate. Additional deposits allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.80% | $380 |
One more rate on its site comes from an older rate sheet (2020) and isn’t shown as current.
Sources (1)
- uccu.com/wp-content/uploads/20…savings-certificates.pdf · captured Oct 30, 2026
Special-purpose accounts
Certificate Specials
4.60%APY · 1 term
Certificate Specials for Personal, Individual Retirement, and Youth Accounts. Must maintain minimum required shares ($5.00 par value) and pay a $5.00 nonrefundable membership fee. Dividends credited monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Automatic converts to a 24 Month certificate upon maturity. Dividends credited monthly | 4.60% | $698 |
One more rate on its site comes from an older rate sheet (2020) and isn’t shown as current.
Sources (3)
All captured Oct 30, 2026
Individual Retirement Account Certificate
Up to 4.50%APY · 7 terms
Must maintain minimum required shares ($5.00 par value, 2 shares at $2.50) and pay a $5.00 nonrefundable membership fee. Dividends calculated by daily balance method and credited monthly. Early withdrawal penalties apply, with exceptions for IRA distribution within 7 days of establishment or after attaining age 59 1/2 or becoming disabled.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.90% | $96 |
| 6 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.90% | $193 |
| 12 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.05% | $405 |
| 24 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $920 |
| 36 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.40% | $1,379 |
| 48 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.45% | $1,902 |
| 60 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $2,462 |
Sources (1)
- uccu.com/wp-content/uploads/20…savings-certificates.pdf · captured Oct 30, 2026
Youth Certificate
Up to 4.50%APY · 6 terms
For individuals under 18 years of age. Must maintain minimum required shares ($5.00 par value) and pay a $5.00 nonrefundable membership fee. Dividends credited monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.90% | $193 |
| 12 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.05% | $405 |
| 24 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $920 |
| 36 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.40% | $1,379 |
| 48 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.45% | $1,902 |
| 60 monthsFixed rate. Additional deposits not allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.50% | $2,462 |
One more rate on its site comes from an older rate sheet (2020) and isn’t shown as current.
Sources (1)
- uccu.com/wp-content/uploads/20…savings-certificates.pdf · captured Oct 30, 2026
Youth Add on Certificate
Up to 4.24%APY · 2 terms
For individuals under 18 years of age. Additional deposits allowed at current Add-on rate. Must maintain minimum required shares ($5.00 par value) and pay a $5.00 nonrefundable membership fee. Dividends credited monthly. Early withdrawal penalty applies. Add On feature may not be available at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Additional deposits allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 4.24% | $210 |
| 12 monthsFixed rate. Additional deposits allowed. Early withdrawal penalty applies. Account automatically renews. Dividends credited monthly | 3.80% | $380 |
One more rate on its site comes from an older rate sheet (2020) and isn’t shown as current.
Sources (1)
- uccu.com/wp-content/uploads/20…savings-certificates.pdf · captured Oct 30, 2026
UCCU CD score
96
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.24%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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.
Who can join UCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the Financial Fitness Association to qualify for UCCU membership, and UCCU will pay the one-time membership fee.
- Membership is available to any individuals and businesses in the United States.
Employers and groups
- Eligible to join through qualifying employer or association groups listed on UCCU's Employment & Association List.
Military, government and schools
- Employees of NEBO School District and Provo City School District are eligible for membership.
- Utah Valley University employees, students, Alumni Association members, Athletics, corporate partners, and donors are eligible for membership.
Family and household
- Eligible if a family or household member is already a UCCU member or is eligible for UCCU membership.
1 more way to join
Family and household
- Eligible if someone in your immediate family (including grandparents and blended family connections) or household (living under the same roof) is already a UCCU member.
Cost to join
- $5 to fund the account via credit card or external bank account (only for accounts opened online).
Membership information collected October 4, 2026.