Credit union · NCUA insured
United Churches Credit Union CD Rates
United Churches Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How United Churches Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where United Churches Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Churches Credit Union
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $198
Share Certificate Accounts
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
United Churches Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified4.00%
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 Churches 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 Accounts
Up to 4.00%APY · 6 terms
Require a minimum deposit of $500 to open. Terms range from 3 to 60 months. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCD SPECIAL! Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 4.00% | $198 |
| 6 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.30% | $164 |
| 12 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.56% | $356 |
| 24 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $617 |
| 36 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $940 |
| 48 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $1,273 |
| 60 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 2.53% | $1,331 |
Sources (2)
All captured Oct 5, 2026
Jumbo Certificates
Up to 3.81%APY · 6 terms
Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.56% | — |
| 12 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.81% | — |
| 24 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.30% | — |
| 36 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.30% | — |
| 48 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.30% | — |
| 60 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 2.79% | — |
Sources (1)
- unitedchurchescu.org/page/33/certificates · captured Oct 5, 2026
Special-purpose accounts
Youth Certificates
Up to 4.00%APY · 3 terms
Available for youth accounts. $200 minimum, $1000 maximum. APY paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months3.75% at maturity | 3.75% | — |
| 12 months4.00% at maturity | 4.00% | — |
| 24 months3.50% at maturity | 3.50% | — |
Sources (1)
- unitedchurchescu.org/page/33/certificates · captured Oct 5, 2026
I.R.A Certificates
Up to 3.04%APY · 5 terms
$250 minimum. Terms range from 12 to 60 months. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 2.79% | $279 |
| 24 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $617 |
| 36 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $940 |
| 48 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $1,273 |
| 60 monthsDividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply | 3.04% | $1,615 |
Sources (1)
- unitedchurchescu.org/page/33/certificates · captured Oct 5, 2026
Who can join United Churches Credit Union
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