Bank · FDIC insured
UniBank CD Rates
UniBank’s best CD rate is 3.60% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How UniBank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where UniBank has the most branches. $10,000, best rate first.
This bank’s best
UniBank
3.60%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $89
Certificate of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
UniBank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.60%
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 UniBank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.60%APY · 8 terms
Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 months | 3.60% | $178 |
| 12 months | 3.60% | $360 |
| 18 months | 3.60% | $545 |
| 24 months | 3.60% | $733 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.