Bank · FDIC insured
Union State Bank CD Rates
Union State Bank’s best CD rate is 1.20% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 30, 2026.
How Union State Bank’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This bank’s 12-month CD
Union State Bank
0.40%APY
- Earns on $10,000
- $40
Certificates
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Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 1.20%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.30% | $15 |
| 12 months | 0.40% | $40 |
| 24 months | 0.70% | $140 |
| 36 months | 1.00% | $303 |
| 48 months | 1.10% | $447 |
| 60 months | 1.20% | $615 |
Sources (2)
- onlinebanking.unionstbank.com/…onalbankingservices.html
- onlinebanking.unionstbank.com/…CurrentDepositRates.html
All captured Oct 30, 2026
Special-purpose accounts
IRA
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Sources (1)
- onlinebanking.unionstbank.com/…CurrentDepositRates.html · captured Oct 30, 2026
Union State Bank CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.70%
- 31–60 months31–60 mo1.20%
- QualifiedQualified1.20%
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.
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.