Credit union · NCUA insured
United Catholics Federal CU CD Rates
Top CarrotUnited Catholics Federal CU’s best CD rate is 4.28% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How United Catholics Federal CU’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where United Catholics Federal CU has the most branches. $10,000, best rate first.
This credit union’s best
United Catholics Federal CU
3.25%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,007
Term Certificates
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
United Catholics Federal CU CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo2.84%
- 9–15 months9–15 mo2.99%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 United Catholics Federal CU 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.
Term Certificates
Up to 3.25%APY · 7 terms
Rate of return tiered based on balance. Flexible terms up to 60 months. No monthly or yearly maintenance fees. Early withdrawal penalties may apply.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsFixed rate 6 months | 2.84% | 3.04% | 3.20% | 3.40% | 2.84%3.04% from $25k3.20% from $50k3.40% from $100k | $141 |
| 10 monthsSpecial rate 10 months | — | 4.08% | 4.18% | 4.28% | —4.08% from $25k4.18% from $50k4.28% from $100k | — |
| 12 monthsFixed rate 12 months | 2.99% | 3.20% | 3.35% | 3.61% | 2.99%3.20% from $25k3.35% from $50k3.61% from $100k | $299 |
| 24 monthsFixed rate 24 months | 3.14% | 3.30% | 3.51% | 3.71% | 3.14%3.30% from $25k3.51% from $50k3.71% from $100k | $638 |
| 36 monthsFixed rate 36 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,007 |
| 48 monthsFixed rate 48 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,365 |
| 60 monthsFixed rate 60 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,734 |
Sources (1)
- unitedcatholicsfcu.org/rates/share-certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 5 terms
Available for Traditional and Roth IRAs. Minimum $1,000. Dividends compounded monthly. Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsFixed rate 12 months | 2.99% | 3.20% | 3.35% | 3.61% | 2.99%3.20% from $25k3.35% from $50k3.61% from $100k | $299 |
| 24 monthsFixed rate 24 months | 3.14% | 3.30% | 3.51% | 3.71% | 3.14%3.30% from $25k3.51% from $50k3.71% from $100k | $638 |
| 36 monthsFixed rate 36 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,007 |
| 48 monthsFixed rate 48 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,365 |
| 60 monthsFixed rate 60 months | 3.25% | 3.40% | 3.61% | 3.71% | 3.25%3.40% from $25k3.61% from $50k3.71% from $100k | $1,734 |
Sources (2)
- unitedcatholicsfcu.org/rates/share-certificates
- unitedcatholicsfcu.org/product…dual-retirement-accounts
All captured Oct 16, 2026
Who can join United Catholics Federal CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Parishioners, staff, and affiliated members of served parishes and religious organizations are eligible for membership.
Military, government and schools
- Students, affiliated staff, and members affiliated with served schools are eligible for membership.
Family and household
- Family members of qualifying individuals are eligible for membership.
Membership information collected October 5, 2026.