Bank · FDIC insured
UniBank CD Rates
UniBank’s best CD rate is 3.85% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How UniBank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where UniBank has the most branches. $10,000, best rate first.
This bank’s best
UniBank
3.85%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $255
Certificate of Deposit
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
UniBank CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.85%
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 3.85%APY · 9 terms
Interest compounded continuously for terms of 1 year or more. Penalty for early withdrawal may be imposed. Additional maturities are available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day Certificate | 3.30% | $81 |
| 6 months | 3.50% | $173 |
| 8 months | 3.85% | $255 |
| 12 months1 Year CD | 3.00% | $300 |
| 14 months | 3.50% | $410 |
| 24 months2 Year CD | 2.65% | $537 |
| 36 months | 3.00% | $927 |
| 48 months4 Year CD | 2.50% | $1,038 |
| 60 months5 Year CD | 2.75% | $1,453 |
Sources (2)
All captured Sep 25, 2026
UniStep CD
Up to 1.25%APY · 3 terms
Gives power to boost earnings with a one-time rate increase during the term. Rates may change after account opening if exercising the right to change the rate one time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year UniStep CD | 1.00% | $100 |
| 24 months2 Year UniStep CD | 1.25% | $252 |
| 36 months3 Year UniStep CD | 1.25% | $380 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA CD
Up to 3.85%APY · 7 terms
Combines CD stability with retirement benefits of Traditional or Roth IRA. Early withdrawal may result in tax implications and penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month IRA CD | 3.85% | $191 |
| 12 months1 Year IRA CD | 3.25% | $325 |
| 20 months20 Month IRA CD | 3.10% | $522 |
| 24 months2 Year IRA CD | 3.00% | $609 |
| 36 months3 Year IRA CD | 3.00% | $927 |
| 48 months4 Year IRA CD | 3.00% | $1,255 |
| 60 months5 Year IRA CD | 3.00% | $1,593 |
Sources (2)
All captured Sep 25, 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.