Bank · FDIC insured
Unico Bank CD Rates
Unico Bank’s best CD rate is 4.23% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Unico Bank’s CD rates compare
Compared with banks and credit unions near Jonesboro, AR, where Unico Bank has the most branches. $10,000, best rate first.
This bank’s best
Unico Bank
4.23%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $459
Certificates of Deposit
Top rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
Unico Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.23%
- 16–30 months16–30 mo4.12%
- 31–60 months31–60 mo0.70%
- QualifiedQualified4.23%
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 Unico Bank 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.
Certificates of Deposit
Up to 4.23%APY · 12 terms
Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term. Early withdrawal penalty applies | 0.05% | $1 |
| 6 months6 Month term. Early withdrawal penalty applies | 3.82% | $189 |
| 9 months9 Month term. Early withdrawal penalty applies | 3.71% | $277 |
| 12 months12 Month term. Early withdrawal penalty applies | 0.30% | $30 |
| 13 months13 Month term. Early withdrawal penalty applies | 4.23% | $459 |
| 15 months15 Month term. Early withdrawal penalty applies | 3.66% | $460 |
| 18 months18 Month term. Early withdrawal penalty applies | 4.12% | $624 |
| 24 months24 Month term. Early withdrawal penalty applies | 0.50% | $100 |
| 30 months30 Month term. Early withdrawal penalty applies | 0.50% | $125 |
| 36 months36 Month term. Early withdrawal penalty applies | 0.55% | $166 |
| 48 months48 Month term. Early withdrawal penalty applies | 0.60% | $242 |
| 60 months60 Month term. Early withdrawal penalty applies | 0.70% | $355 |
Sources (1)
- unicobank.com/deposits/certificates-of-deposit · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.23%APY · 12 terms
Offered as Traditional IRA and Roth IRA certificates. Interest compounded monthly. Additional deposits permitted with minimum $10.00 up to IRS limits per term. Account overview notes $50.00 minimum to open; rate schedule indicates $1,000.00 minimum deposit to open. Penalties apply for early withdrawal/rollover prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term. Penalty for early withdrawal | 0.05% | $1 |
| 6 months6 Month term. Penalty for early withdrawal | 3.82% | $189 |
| 9 months9 Month term. Penalty for early withdrawal | 3.71% | $277 |
| 12 months12 Month term. Penalty for early withdrawal | 0.30% | $30 |
| 13 months13 Month term. Penalty for early withdrawal | 4.23% | $459 |
| 15 months15 Month term. Penalty for early withdrawal | 3.66% | $460 |
| 18 months18 Month term. Penalty for early withdrawal | 4.12% | $624 |
| 24 months24 Month term. Penalty for early withdrawal | 0.50% | $100 |
| 30 months30 Month term. Penalty for early withdrawal | 0.50% | $125 |
| 36 months36 Month term. Penalty for early withdrawal | 0.55% | $166 |
| 48 months48 Month term. Penalty for early withdrawal | 0.60% | $242 |
| 60 months60 Month term. Penalty for early withdrawal | 0.70% | $355 |
Sources (2)
All captured Oct 5, 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.