Credit union · NCUA insured
UNITE Credit Union CD Rates
UNITE Credit Union’s best CD rate is 2.25% APY on a 3-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How UNITE Credit Union’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where UNITE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UNITE Credit Union
2.25%APY
- Term
- 3 months
- Minimum
- —
- Earns on $10,000
- $56
Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
UNITE Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo1.75%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.25%
- QualifiedQualified2.25%
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 UNITE 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.
Certificates
Up to 2.25%APY · 5 terms
Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.25% | — | 2.25% | $56 |
| 6 months | — | 2.00% | 2.00% | $100 |
| 12 months | — | 1.75% | 1.75% | $175 |
| 24 months | — | 1.50% | 1.50% | $302 |
| 36 months | — | 1.25% | 1.25% | $380 |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Special-purpose accounts
IRA CDs
Up to 2.25%APY · 5 terms
Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.25% | — | 2.25% | $56 |
| 6 months | — | 2.00% | 2.00% | $100 |
| 12 months | — | 1.75% | 1.75% | $175 |
| 24 months | — | 1.50% | 1.50% | $302 |
| 36 months | — | 1.25% | 1.25% | $380 |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Youth Certificate- Add On
1.25%APY
Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $200 | 0.50% | — |
| $200 – $400 | 0.75% | — |
| $400 – $1,000 | 1.00% | — |
| $1,000 and up | 1.25% | $125 |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Who can join UNITE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in the Iowa counties of Black Hawk, Butler, Bremer and Grundy are eligible for membership.
Employers and groups
- Employees and retirees of MidAmerican Energy are eligible for membership.
Military, government and schools
- Employees, students, alumni and faculty of the Cedar Falls School District are eligible for membership.
- Employees, faculty, alumni and students of the University of Northern Iowa are eligible for membership.
Family and household
- Families of MidAmerican Energy employees and retirees are eligible for membership.
Membership information collected October 4, 2026.