Credit union · NCUA insured
UFCU CD Rates
Top CarrotUFCU’s best CD rate is 4.10% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How UFCU’s CD rates compare
Compared with banks and credit unions near Austin, TX, where UFCU has the most branches. $10,000, best rate first.
This credit union’s best
UFCU
4.10%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $837
Fixed-Rate Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
UFCU CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.10%
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 UFCU 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.
Fixed-Rate Certificate
Up to 4.10%APY · 8 terms
Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.70% | $183 |
| 12 months | 3.50% | $350 |
| 18 months | 3.55% | $537 |
| 24 months | 4.10% | $837 |
| 24 monthsAllows capturing a future rate increase on a one-time basis during the certificate term and increasing the original principal amount at the same time | 3.95% | $806 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.70% | $1,992 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Fixed-Rate IRA
Up to 4.10%APY · 6 terms
Offered as Traditional or Roth IRA certificates. Dividends calculated by daily balance method and credited monthly. Penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 3.50% | $350 |
| 24 months | 4.10% | $837 |
| 24 monthsStep-Up option allows capturing a future rate increase on a one-time basis during the certificate term | 3.95% | $806 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.70% | $1,992 |
Sources (2)
All captured Oct 16, 2026
Variable-Rate Early Saver Certificate
3.50%APY · 1 term
For Members aged 17 and under who have a Kidz or Teen Savings account. 12-month auto-renewable term; additional deposits allowed at any time. Rate is variable and subject to change after account is opened.
| Term | APY · Up to $20,000 | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsTier applies to balances over $20,000 | — | 0.25% | —0.25% from $20k | — |
| 12 monthsTier applies to balances up to $20,000 | 3.50% | — | 3.50% | $350 |
Sources (2)
All captured Oct 16, 2026
Variable-Rate IRA
0.01%APY
Traditional or Roth IRA variable-rate certificate/account. Rate is variable and subject to change after account is opened. Dividends calculated by the daily balance method. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable term; opening deposit between $100 and $1,000. Rate is variable and subject to change after account is opened.Any balance | 0.01% | $1 | Variable term; opening deposit between $100 and $1,000. Rate is variable and subject to change after account is opened. |
Sources (2)
All captured Oct 16, 2026
Who can join UFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join UFCU for free through membership in the American Consumer Council.
Employers and groups
- Employees, students, or alumni of partner organizations (Foundation Communities, Goodwill, Indeed, YMCA) are eligible for membership.
Military, government and schools
- Employees, students, or alumni of participating educational institutions and affiliated medical centers are eligible for membership.
Membership information collected October 5, 2026.