Credit union · NCUA insured
United Community Credit Union CD Rates
United Community Credit Union’s best CD rate is 3.82% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How United Community Credit Union’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where United Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Community Credit Union
3.82%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $414
Share Certificate of Deposit
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
United Community Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.17%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo2.32%
- 31–60 months31–60 mo2.48%
- QualifiedQualified3.82%
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 Community 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 of Deposit
Up to 3.82%APY · 7 terms
Dividends compound monthly. Penalty may apply for early withdrawal. Minimum opening balance is $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.17% | $108 |
| 12 months | 2.27% | $227 |
| 13 months13 Month Special | 3.82% | $414 |
| 24 months | 2.32% | $469 |
| 36 months | 2.38% | $731 |
| 48 months | 2.43% | $1,008 |
| 60 months | 2.48% | $1,303 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate of Deposit
Up to 4.08%APY · 6 terms
Applies to Traditional and Roth retirement term share certificates. Dividends compound monthly. Penalty may apply for early withdrawal. Minimum opening balance is $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.79% | $279 |
| 13 months13 Month Special | 4.08% | $443 |
| 24 months | 2.84% | $576 |
| 36 months | 2.89% | $892 |
| 48 months | 2.94% | $1,229 |
| 60 months | 2.99% | $1,587 |
Sources (2)
All captured Sep 17, 2026
Who can join United Community Credit Union
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