Credit union · NCUA insured
Union Square Credit Union CD Rates
Union Square Credit Union’s best CD rate is 4.24% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Union Square Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Union Square Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Union Square Credit Union
4.24%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,325
Share Certificates (CDs)
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Texoma Community Credit Union
4.20%APY
- Term
- 36 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,314
Union Square Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo3.77%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo4.24%
- QualifiedQualified4.24%
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 Square 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.
Share Certificates (CDs)
Up to 4.24%APY · 8 terms
Minimum balance requirements to open - Share Certificates (CDs) - $1,000. Early withdrawal penalties amounting to 3% of the total withdrawal amount. Withdrawal of dividends prior to maturity reduces earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 0.75% | $19 |
| 6 monthsTerm: 6 Months | 3.72% | $184 |
| 12 monthsTerm: 1 Year | 3.77% | $377 |
| 18 monthsTerm: 18 Months | 2.53% | $382 |
| 24 monthsTerm: 2 Years | 4.08% | $832 |
| 36 monthsTerm: 3 Years | 4.24% | $1,325 |
| 48 monthsTerm: 4 Years | 2.79% | $1,162 |
| 60 monthsTerm: 5 Years | 2.94% | $1,560 |
Sources (2)
- unionsquare.org/checking-savin…ts/deposit-account-rates
- unionsquare.org/checking-savings-accounts/certificates
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.24%APY · 8 terms
Available as traditional and Roth IRA certificates. Dividends credited monthly with disclosed dividend rate and can be withdrawn on crediting day. Minimum deposit to open is $1,000. Minimum balance to obtain the advertised rate is $1,000. Compounded APY disclosed. Early withdrawal penalty may apply. Rate subject to change after maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 0.75% | $19 |
| 6 monthsTerm: 6 Months | 3.72% | $184 |
| 12 monthsTerm: 1 Year | 3.77% | $377 |
| 18 monthsTerm: 18 Months | 2.53% | $382 |
| 24 monthsTerm: 2 Years | 4.08% | $832 |
| 36 monthsTerm: 3 Years | 4.24% | $1,325 |
| 48 monthsTerm: 4 Years | 2.79% | $1,162 |
| 60 monthsTerm: 5 Years | 2.94% | $1,560 |
Sources (2)
- unionsquare.org/checking-savin…ts/deposit-account-rates
- unionsquare.org/checking-savings-accounts/iras
All captured Oct 16, 2026
Who can join Union Square Credit Union
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