Credit union · NCUA insured
UNCLE Credit Union CD Rates
UNCLE Credit Union’s best CD rate is 4.33% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How UNCLE Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where UNCLE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UNCLE Credit Union
4.33%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000
- $433
Share Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
UNCLE Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.33%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.64%
- QualifiedQualified4.33%
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 UNCLE 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.
Share Certificates
Up to 4.33%APY · 9 terms
Minimum opening balance and minimum balance to earn dividends is $1,500. Fixed Certificates dividends are calculated daily and paid monthly. Variable Certificates dividends are calculated and compounded daily, posted monthly. Substantial early withdrawal penalties apply to Share Certificates. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.04% | $75 |
| 5 months5-Month Promotional Share Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, the promotional certificate balance will be transferred to a 6-month fixed-rate certificate at the current rate offering. Fixed rate. Dividends are calculated daily and paid monthly | 3.65% | $150 |
| 6 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.83% | $141 |
| 12 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.04% | $304 |
| 12 monthsThe Variable Rate 12-Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6-month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly. Dividends are calculated and compounded daily, posted monthly | 4.33% | $433 |
| 18 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.00% | $453 |
| 24 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.64% | $535 |
| 36 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.64% | $813 |
| 48 monthsFixed rate. Dividends are calculated daily and paid monthly | 1.76% | $723 |
| 60 monthsFixed rate. Dividends are calculated daily and paid monthly | 1.84% | $954 |
Special-purpose accounts
IRA Certificates
Up to 4.33%APY · 9 terms
All regular Certificates can be opened as IRA Certificates, unless otherwise noted. Minimum opening balance and minimum balance to earn dividends is $1,500. Substantial early withdrawal penalties apply. Traditional, Roth, and Coverdell Education IRAs offered.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.04% | $75 |
| 5 months5-Month Promotional Share Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, promotional certificate balance transfers to a 6-month fixed-rate certificate at current rate offering. Fixed rate | 3.65% | $150 |
| 6 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.83% | $141 |
| 12 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.04% | $304 |
| 12 monthsThe Variable Rate 12-Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6-month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly. Dividends are calculated and compounded daily, posted monthly | 4.33% | $433 |
| 18 monthsFixed rate. Dividends are calculated daily and paid monthly | 3.00% | $453 |
| 24 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.64% | $535 |
| 36 monthsFixed rate. Dividends are calculated daily and paid monthly | 2.64% | $813 |
| 48 monthsFixed rate. Dividends are calculated daily and paid monthly | 1.76% | $723 |
| 60 monthsFixed rate. Dividends are calculated daily and paid monthly | 1.84% | $954 |
Youth Share Certificates
Up to 3.04%APY · 4 terms
For primary members age 17 and under. Minimum opening balance and minimum to earn dividends is $100. Rates subject to change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Dividends paid monthly | 3.04% | $75 |
| 6 monthsFixed rate. Dividends paid monthly | 2.83% | $141 |
| 12 monthsFixed rate. Dividends paid monthly | 3.04% | $304 |
| 18 monthsFixed rate. Dividends paid monthly | 3.00% | $453 |
Who can join UNCLE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Northern California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are eligible for membership.
Employers and groups
- Individuals who belong to a select local association or are employees of a member company are eligible for membership.
Other ways
- Individuals who do not fit other criteria can join UNCLE Credit Union by first becoming a member of the Financial Fitness Association.
Cost to join
- Opening an account requires an initial share deposit of $5 or more.
- There is no membership fee to join UNCLE Credit Union.
Membership information collected October 5, 2026.