Credit union · NCUA insured
United Consumers Credit Union CD Rates
Top CarrotUnited Consumers Credit Union’s best CD rate is 4.20% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How United Consumers Credit Union’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where United Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Consumers Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Certificates of Deposit (CD)
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
United Consumers Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- 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 Consumers 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.
Premium Certificates of Deposit (CD)
Up to 4.20%APY · 8 terms
Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.70% | — |
| 12 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.00% | — |
| 18 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.00% | — |
| 24 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.20% | — |
| 30 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.20% | — |
| 36 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.20% | — |
| 48 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.90% | — |
| 60 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.70% | — |
Sources (2)
All captured Sep 17, 2026
Preferred Certificates of Deposit (CD)
Up to 4.11%APY · 8 terms
Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.60% | — |
| 12 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.90% | — |
| 18 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.70% | — |
| 24 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.11% | — |
| 30 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.11% | — |
| 36 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.11% | — |
| 48 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.70% | — |
| 60 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.60% | — |
Sources (2)
All captured Sep 17, 2026
Certificates of Deposit (CD)
Up to 4.00%APY · 8 terms
Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.51% | $174 |
| 12 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.80% | $380 |
| 18 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.60% | $545 |
| 24 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.00% | $816 |
| 30 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.00% | $1,030 |
| 36 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 4.00% | $1,249 |
| 48 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.60% | $1,520 |
| 60 monthsDividends compounded monthly and paid monthly. Early withdrawal penalties apply | 3.51% | $1,883 |
Who can join United Consumers 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 to join if you live, work, worship, or attend school in Johnson County or Wyandotte County, Kansas.
- Eligible to join if you live or work in Jackson, Buchanan, Cass, Clay, Johnson, Lafayette, Platte, or Ray County, Missouri.
Employers and groups
- Eligible to join as an employee or retiree of partner Select Employee Groups across Health & Home Care, Industrial Business, Religious, Retirement Community, and Specialty Business groups.
Military, government and schools
- Eligible to join as an employee or retiree of affiliated Educational Groups including Adam & Eve Cosmetology, Fort Osage School District, and Kids Kastle.
- Eligible to join as an employee or retiree of qualifying City, County, & Government groups, including United States Government Employees, Active and Reserve Military and veterans (including affiliated organizations), Postal Employees, and participating city and county governments.
Family and household
- Immediate family members of current accountholders and eligible persons (including spouse, sibling, parent, grandparent, child, or grandchild) are eligible to join.
Cost to join
- Membership requires maintaining a $5 balance (one share) in a share savings account.
Membership information collected October 4, 2026.