Credit union · NCUA insured
United Credit Union CD Rates
United Credit Union’s best CD rate is 3.40% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How United Credit Union’s CD rates compare
Compared with banks and credit unions near Tyler, TX, where United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Credit Union
3.30%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $330
Term Share Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
United Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.00%
- QualifiedQualified3.30%
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 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.
Jumbo Certificate
3.40%APY · 1 term
Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early surrender is 6 months | 3.40% | — |
Sources (1)
- unitedcu.coop/bank/deposit-rates · captured Sep 17, 2026
Term Share Certificates
Up to 3.30%APY · 3 terms
Deposits are available for terms of 6-36 months. Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early surrender is 3 months | 3.15% | $156 |
| 12 monthsPenalty for early surrender is 6 months | 3.30% | $330 |
| 24 monthsPenalty for early surrender is 12 months | 3.00% | $609 |
Sources (1)
- unitedcu.coop/bank/deposit-rates · captured Sep 17, 2026
36 Month Special
3.20%APY · 1 term
Non auto renewal. Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsPenalty for early surrender is 36 months (Non Auto Renewal) | 3.20% | — |
Sources (1)
- unitedcu.coop/bank/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 3.30%APY · 2 terms
Individual Retirement Accounts offered at United Credit Union are a mix of shares and term share certificates. Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early surrender is 12 months | 3.30% | $330 |
| 24 monthsPenalty for early surrender is 12 months | 3.00% | $609 |
JUMBO IRA Certificate
3.30%APY · 1 term
Individual Retirement Accounts offered at United Credit Union are a mix of shares and term share certificates. Deposits are subject to an early withdrawal penalty if closed prior to maturity. Call for rates on CDs above $50,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early surrender is 6 months | 3.30% | — |
Who can join United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Smith County are eligible for membership.
- Individuals who live, work, worship, or attend school in Van Zandt County serviced by zip codes 75103, 75140, 75754, 75790, 75124 (Van Zandt county portion only), or 75752 (Van Zandt county portion only) are eligible for membership.
- Individuals who live, work, worship, or attend school in Wood County serviced by zip codes 75765 (Hawkins) or 75773 (Mineola) are eligible for membership.
Military, government and schools
- Employed or retired USPS or Federal employees in Smith, Upshur, Van Zandt, or Wood County are eligible for membership.
Membership information collected October 5, 2026.