Credit union · NCUA insured
United Community Federal Credit Union CD Rates
United Community Federal Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How United Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Pittsburgh, PA, where United Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Community Federal Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $189
Share Certificates
Top rate
Tri Boro Federal Credit Union
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
2nd-highest rate
First Federal of Greene or FFGC
4.35%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $435
United Community Federal Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.30%
- 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 Federal 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 Certificates
Up to 3.82%APY · 5 terms
Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 12 months | 2.53% | $253 |
| 18 months | 2.78% | $420 |
| 24 months | 3.04% | $617 |
| 36 months | 3.30% | $1,023 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.82%APY · 5 terms
Substantial penalty for early withdrawal. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 12 months | 2.53% | $253 |
| 18 months | 2.78% | $420 |
| 24 months | 3.04% | $617 |
| 36 months | 3.30% | $1,023 |
Sources (2)
All captured Oct 16, 2026
Who can join United Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, volunteer, or attend school in Allegheny, Washington, or Westmoreland Counties, Pennsylvania.
Family and household
- Immediate family members or anyone living in the same household as a current member (including parents, children, siblings, grandparents, grandchildren, or step/adoptive relatives) are eligible.
Cost to join
- A $5 share deposit is required to become a member and open a share savings account.
Membership information collected October 5, 2026.