Bank · FDIC insured
Union Bank CD Rates
Union Bank’s best CD rate is 3.89% APY on a 13-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Union Bank’s CD rates compare
Compared with banks and credit unions near Burlington, VT, where Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Union Bank
3.89%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $422
Certificates of Deposit
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
The Business Bank
4.25%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $175
Union Bank CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.89%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.71%
- QualifiedQualified3.89%
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 3.89%APY · 7 terms
CDs are term deposits providing FDIC insurance up to applicable limits. Early withdrawal penalty may apply. Interest can be automatically deposited into another account or CD used as loan collateral. Preferred rate may be available for Advantage Checking accountholders.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.51% | $351 |
| 13 months13 Month CD Special | 3.89% | $422 |
| 24 months | 3.56% | $725 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.71% | $1,998 |
Sources (2)
- ublocal.com/personal/compare-a…s/deposit-interest-rates
- ublocal.com/personal/personal-…rtificate-of-deposit-cds
All captured Oct 15, 2026
Jumbo Certificates of Deposit
Up to 3.71%APY · 6 terms
High-dollar balance certificate of deposit. Preferred rate may be available for Advantage Checking accountholders.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.51% | $351 |
| 24 months | 3.56% | $725 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.71% | $1,998 |
Sources (1)
- ublocal.com/personal/compare-a…s/deposit-interest-rates · captured Oct 15, 2026
Save for Success CD
3.61%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.61% | $1,123 |
Sources (1)
- ublocal.com/personal/compare-a…s/deposit-interest-rates · captured Oct 15, 2026
CDARS Certificates of Deposit
Up to 3.46%APY · 4 terms
Certificate of Deposit Account Registry Service (CDARS) agreement provides full FDIC insurance for high-dollar deposits over $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.15% | $156 |
| 12 months | 3.35% | $335 |
| 24 months | 3.41% | $694 |
| 36 months | 3.46% | $1,074 |
Sources (2)
- ublocal.com/personal/compare-a…s/deposit-interest-rates
- ublocal.com/personal/personal-…rtificate-of-deposit-cds
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.89%APY · 7 terms
Available as Traditional, Roth, and SEP IRA Certificates of Deposit. Preferred rate may be available for Advantage Checking accountholders.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.51% | $351 |
| 13 months13 Month CD Special | 3.89% | $422 |
| 24 months | 3.56% | $725 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.71% | $1,998 |
Sources (2)
- ublocal.com/personal/compare-a…s/deposit-interest-rates
- ublocal.com/personal/personal-…retirement-accounts-iras
All captured Oct 15, 2026
Jumbo IRA Certificates of Deposit
Up to 3.71%APY · 6 terms
High-dollar balance IRA certificate of deposit. Available as Traditional, Roth, and SEP IRA. Preferred rate may be available for Advantage Checking accountholders.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.51% | $351 |
| 24 months | 3.56% | $725 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.66% | $1,546 |
| 60 months | 3.71% | $1,998 |
Sources (2)
- ublocal.com/personal/compare-a…s/deposit-interest-rates
- ublocal.com/personal/personal-…retirement-accounts-iras
All captured Oct 15, 2026
CDARS IRAs
Up to 3.46%APY · 4 terms
Certificate of Deposit Account Registry Service (CDARS) IRA agreement provides full FDIC insurance for high-dollar deposits over $250,000. Available as Traditional, Roth, and SEP IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.15% | $156 |
| 12 months | 3.35% | $335 |
| 24 months | 3.41% | $694 |
| 36 months | 3.46% | $1,074 |
Sources (2)
- ublocal.com/personal/compare-a…s/deposit-interest-rates
- ublocal.com/personal/personal-…retirement-accounts-iras
All captured Oct 15, 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.