Credit union · NCUA insured
Union Building Trades Federal Credit Union CD Rates
Union Building Trades Federal Credit Union’s best CD rate is 0.55% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Union Building Trades Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Union Building Trades Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Union Building Trades Federal Credit Union
0.55%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $278
Term Share Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Union Building Trades Federal Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.45%
- 31–60 months31–60 mo0.55%
- QualifiedQualified0.55%
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 Building Trades Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Deposit
Up to 0.55%APY · 6 terms
Fixed-rate, closed-end time deposits. Minimum balance of $1,000. Terms from 3 months to 5 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
| 6 months | 0.25% | $12 |
| 12 months | 0.30% | $30 |
| 24 months | 0.40% | $80 |
| 30 months | 0.45% | $113 |
| 60 months | 0.55% | $278 |
Easy Access Share Certificate
0.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.25% | $25 |
Special-purpose accounts
IRA Share Certificate
Up to 0.55%APY · 4 terms
Solutions include Traditional IRAs, Roth IRA, Coverdell Savings (education IRA). Terms available from 3 months to 5 years. Minimum deposit from $1,000 (amount can vary). Maximum investment of $5,500 for each person, $6,500 if over 50.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.30% | $30 |
| 24 months | 0.40% | $80 |
| 30 months | 0.45% | $113 |
| 60 months | 0.55% | $278 |
Who can join Union Building Trades Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members belonging to authorized participating union organizations and councils.
- Individuals who work in the building trades field whose home local is not affiliated directly with UBTFCU can join through CIF association.
Family and household
- Membership is open to individuals related through either blood or marriage / family members of members from the participating union locals.
Cost to join
- A minimum deposit / share balance of $5.00 is required to open and maintain an account.
Membership information collected October 5, 2026.