Credit union · NCUA insured
United Community Credit Union CD Rates
United Community Credit Union’s best CD rate is 3.44% APY on a 1-year 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 Houston, TX, where United Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Community Credit Union
3.44%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $344
Certificates of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
United Community Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.19%
- 9–15 months9–15 mo3.44%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo3.09%
- QualifiedQualified3.44%
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.
Certificates of Deposit
Up to 3.44%APY · 7 terms
With a minimum deposit of $1,000, you can choose to invest your funds for as little as six months or as long as 60 months. Interest compounds daily and is paid quarterly or at maturity to your certificate of deposit, savings or checking account. There is a penalty for early withdrawal of funds.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.19% | $158 |
| 12 months | 3.44% | $344 |
| 18 months | 3.34% | $505 |
| 24 months | 3.14% | $637 |
| 36 months | 3.09% | $954 |
| 48 months | 3.03% | $1,270 |
| 60 months | 3.03% | $1,612 |
Sources (2)
All captured Sep 25, 2026
Who can join United Community Credit Union
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