Bank · FDIC insured
Union Federal Savings and Loan CD Rates
Union Federal Savings and Loan’s best CD rate is 4.33% APY on a 4-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Union Federal Savings and Loan’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where Union Federal Savings and Loan has the most branches. $10,000, best rate first.
This bank’s best
Union Federal Savings and Loan
4.33%APY
- Term
- 48 months
- Minimum
- $200
- Earns on $10,000
- $1,848
Certificate of Deposit
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
Union Federal Savings and Loan CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo2.52%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo4.33%
- QualifiedQualified4.33%
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 Federal Savings and Loan 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 4.33%APY · 12 terms
Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.
| Term | APY · $200 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown180 to 364 day term | 2.01% | — | 2.01% | $0 |
| 3 months | 0.50% | — | 0.50% | $12 |
| 10 months | 2.00% | — | 2.00% | $166 |
| 11 months | 2.00% | — | 2.00% | $183 |
| 12 months | 2.50% | — | 2.50% | $250 |
| 15 months | 2.52% | — | 2.52% | $316 |
| 18 months | 2.52% | — | 2.52% | $380 |
| 20 months | 2.93% | — | 2.93% | $493 |
| 20 monthsTiered; requires $20,000 balance. Below $20,000, rate becomes regular 20 Month CD rate | — | 3.03% | —3.03% from $20k | — |
| 24 months | 3.03% | — | 3.03% | $615 |
| 30 months | 3.03% | — | 3.03% | $775 |
| 48 monthsFixed rate | 2.25% | — | 2.25% | $931 |
| 48 monthsVariable rate | 4.33% | — | 4.33% | $1,848 |
| 60 months | 2.25% | — | 2.25% | $1,177 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA CD)
Up to 3.03%APY · 4 terms
Individual Retirement Accounts (new tax contributions allowed). Certificate accounts have a substantial penalty for early withdrawal. Annual Percentage Yields are effective as of 09/16/26 and may change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsNew tax contributions allowed. Substantial penalty for early withdrawal | 2.52% | $380 |
| 24 monthsNew tax contributions allowed. Substantial penalty for early withdrawal | 3.03% | $615 |
| 30 monthsNew tax contributions allowed. Substantial penalty for early withdrawal | 3.03% | $775 |
| 48 monthsNew tax contributions allowed. Substantial penalty for early withdrawal | 2.25% | $931 |
Sources (1)
- myunionfederal.com/wp-content/…Savings-Rates-091626.pdf · captured Sep 17, 2026
Opening an account
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