Bank · FDIC insured
United Bank of Union CD Rates
United Bank of Union’s best CD rate is 4.10% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Bank of Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where United Bank of Union has the most branches. $10,000, best rate first.
This bank’s best
United Bank of Union
4.10%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $657
Certificate of Deposit (CD)
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
United Bank of Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.10%
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 United Bank of Union 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 (CD)
Up to 4.10%APY · 14 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 0.25% | $6 |
| 5 months | 0.30% | $12 |
| 6 months | 0.30% | $15 |
| 8 months8 Month Special | 4.00% | $265 |
| 11 months | 0.30% | $27 |
| 12 months | 0.55% | $55 |
| 14 months14 Month Special | 4.05% | $474 |
| 18 months | 0.55% | $83 |
| 19 months19 Month Special | 4.10% | $657 |
| 24 months | 0.65% | $130 |
| 30 months | 0.65% | $163 |
| 36 months36 Month Special | 4.00% | $1,249 |
| 48 months | 1.00% | $406 |
| 60 months | 1.51% | $778 |
Step-Up CD
Up to 1.41%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsInitial interest rate in effect for 2 years; if on 2nd anniversary the 12 month CD rate is higher, Step-Up rate adjusts to that higher rate for remainder of term | 0.90% | $272 |
| 60 monthsInitial interest rate in effect for 3 years; if on 3rd anniversary the 24 month CD rate is higher, Step-Up rate adjusts to that higher rate for remainder of term | 1.41% | $725 |
Sources (1)
- ubu.bank/rates · captured Oct 5, 2026
Opening an account
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