Credit union · NCUA insured
Union Trades Federal Credit Union CD Rates
Union Trades Federal Credit Union’s best CD rate is 2.79% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Union Trades Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charleston, WV, where Union Trades Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Union Trades Federal Credit Union
2.79%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $861
Share Certificate
Top rate
Charleston FCU
4.33%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $433
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Union Trades Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo1.77%
- 16–30 months16–30 mo2.28%
- 31–60 months31–60 mo2.79%
- QualifiedQualified2.79%
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 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.
Share Certificate
Up to 2.79%APY · 4 terms
With $100 in your share account. Minimum $500 deposit required. Early withdrawal penalty: 90 days of dividends for 6-month certificate; 180 days of dividends for 12-month and longer certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWith $100 in your share account. Early withdrawal penalty: 90 days of dividends | 1.51% | $75 |
| 12 monthsWith $100 in your share account. Early withdrawal penalty: 180 days of dividends | 1.77% | $177 |
| 24 monthsWith $100 in your share account. Early withdrawal penalty: 180 days of dividends | 2.28% | $461 |
| 36 monthsWith $100 in your share account. Early withdrawal penalty: 180 days of dividends | 2.79% | $861 |
Sources (3)
All captured Sep 19, 2026
Who can join Union Trades Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who live, work, worship, or attend school in Wood County, WV or Washington County, Ohio.
Employers and groups
- Membership is open to employees and voting members of listed participating union locals.
- Membership is open to persons retired as pensioners or annuitants from participating union locals.
Family and household
- Membership is open to members of the immediate family or household of qualifying persons.
Membership information collected October 4, 2026.