Credit union · NCUA insured
UMe Credit Union CD Rates
UMe Credit Union’s best CD rate is 3.55% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How UMe Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where UMe Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UMe Credit Union
3.50%APY
- Term
- 12–23 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- —
Certificates (CDs)
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
UMe Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.50%
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.
Where UMe 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.
Jumbo Certificates
Up to 3.55%APY · 6 terms
Minimum $50,000 opening deposit/balance. Dividends based on average daily balance. Fixed rates for the term purchased. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsMinimum average daily balance required to earn dividends | 3.30% | — |
| 12–23 monthsMinimum average daily balance required to earn dividends | 3.50% | — |
| 24–35 monthsMinimum average daily balance required to earn dividends | 3.40% | — |
| 36–47 monthsMinimum average daily balance required to earn dividends | 3.45% | — |
| 48–59 monthsMinimum average daily balance required to earn dividends | 3.50% | — |
| 60 monthsMinimum average daily balance required to earn dividends | 3.55% | — |
Sources (2)
All captured Oct 16, 2026
Certificates (CDs)
Up to 3.50%APY · 6 terms
Minimum $2,000 opening deposit. Dividends based on average daily balance and posted monthly. Fixed rates for the term purchased. Subject to early withdrawal penalties. Membership requires living, working, attending school, or worshipping in Burbank, or a $10 donation to the Burbank Arts & Education Foundation.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.20% | $159 |
| 12–23 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.50% | $350 |
| 24–35 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.30% | $671 |
| 36–47 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.35% | $1,039 |
| 48–59 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.40% | $1,431 |
| 60 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.45% | $1,848 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
Coverdell Certificates
Up to 3.55%APY · 5 terms
Part of Coverdell Education Savings Account (CESA). Minimum balance of $2,000 required to earn dividends. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsMinimum average daily balance required to earn dividends. Rates fixed for term | 3.55% | $355 |
| 24–35 monthsMinimum average daily balance required to earn dividends. Rates fixed for term | 3.45% | $702 |
| 36–47 monthsMinimum average daily balance required to earn dividends. Rates fixed for term | 3.40% | $1,055 |
| 48–59 monthsMinimum average daily balance required to earn dividends. Rates fixed for term | 3.45% | $1,453 |
| 60 monthsMinimum average daily balance required to earn dividends. Rates fixed for term | 3.50% | $1,877 |
Sources (1)
- umecreditunion.com/bank-invest…savings-accounts/college · captured Oct 16, 2026
Student Saver Certificate
3.55%APY · 1 term
For members age 18 and under. One-year term only. Unlimited deposits during term. Minimum balance $250. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor members age 18 and under. Unlimited deposits allowed during term. Minimum average daily balance required to earn dividends. Rate fixed for term | 3.55% | $355 |
Sources (1)
- umecreditunion.com/bank-invest…student-savings-accounts · captured Oct 16, 2026
Student Share Certificates
Up to 3.55%APY · 6 terms
Fixed interest paid in terms from 6 to 60 months. No deposits during term. Minimum balance $250. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.05% | $151 |
| 12–23 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.55% | $355 |
| 24–35 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.45% | $702 |
| 36–47 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.40% | $1,055 |
| 48–59 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.45% | $1,453 |
| 60 monthsMinimum average daily balance required to earn dividends. Rate fixed for term | 3.50% | $1,877 |
Sources (1)
- umecreditunion.com/bank-invest…student-savings-accounts · captured Oct 16, 2026
IRA Certificates (CD)
Up to 3.45%APY · 5 terms
Available in Traditional and Roth IRAs. Minimum opening deposit/balance is $2,000. Dividends are based on average daily balance and posted quarterly. Rates are fixed for the term purchased. Subject to early withdrawal penalties and additional IRS penalties. Maintenance fee is $15 per year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsDividends based on average daily balance and posted quarterly. Subject to penalties for early withdrawal | 3.40% | $340 |
| 24–35 monthsDividends based on average daily balance and posted quarterly. Subject to penalties for early withdrawal | 3.30% | $671 |
| 36–47 monthsDividends based on average daily balance and posted quarterly. Subject to penalties for early withdrawal | 3.35% | $1,039 |
| 48–59 monthsDividends based on average daily balance and posted quarterly. Subject to penalties for early withdrawal | 3.40% | $1,431 |
| 60 monthsDividends based on average daily balance and posted quarterly. Subject to penalties for early withdrawal | 3.45% | $1,848 |
Sources (1)
- umecreditunion.com/bank-invest/retirement-accounts · captured Oct 16, 2026
Who can join UMe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.