Bank · FDIC insured
Union Bank CD Rates
Union Bank’s best CD rate is 4.16% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Union Bank’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Union Bank
4.16%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $451
Certificates of Deposit
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Union Bank CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.25%
- QualifiedQualified4.16%
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 Union 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 4.16%APY · 13 terms
Maturity terms range from 91 days to 5 years. Additional deposits not accepted during the term. The certificate may be increased at the time of maturity or renewal. Renews for the same term at the interest rate in effect at maturity if not redeemed. Interest earned may be added back, paid by check, or deposited in checking/savings. 10-day grace period after maturity date. Early withdrawal penalty applies. Online accounts do not qualify for Class Act Club special interest rate increases.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term | 0.10% | $3 |
| 6 months182 Day term | 3.02% | $152 |
| 9 months9 Month term | 3.77% | $281 |
| 12 months12 Month term | 3.96% | $396 |
| 13 months13 Month term. Interest is compounded and credited quarterly and again at maturity. At maturity, automatically renews as standard 12-Month CD unless funds are withdrawn during grace period. Promotional offer | 4.16% | $451 |
| 15 months15 Month term | 1.00% | $125 |
| 18 months18 Month term | 1.00% | $150 |
| 24 months24 Month term | 1.00% | $201 |
| 30 months30 Month term | 1.00% | $252 |
| 36 months36 Month term | 1.00% | $303 |
| 45 months45 Month term | 1.00% | $380 |
| 48 months48 Month term | 1.00% | $406 |
| 60 months60 Month term | 1.25% | $641 |
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.