Credit union · NCUA insured
United Credit Union CD Rates
Top CarrotUnited Credit Union’s best CD rate is 3.92% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Credit Union’s CD rates compare
Compared with banks and credit unions near Mexico, MO, where United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Credit Union
3.92%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $359
Regular Share Certificate
Top rate
The Bank of Missouri
4.14%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $309
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
United Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo3.92%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo3.92%
- QualifiedQualified3.92%
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.
Regular Share Certificate
Up to 3.92%APY · 11 terms
Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.10% | $27 |
| 6 months | 1.25% | $62 |
| 11 months11 Month Special. Automatically renews into a 6-month certificate upon maturity. For a limited time only | 3.92% | $359 |
| 12 months | 1.40% | $140 |
| 18 months | 1.50% | $226 |
| 24 months | 1.75% | $353 |
| 30 months30 Month Special. Automatically renews into a 24-month certificate upon maturity. For a limited time only | 3.92% | $1,009 |
| 36 months | 2.00% | $612 |
| 48 months | 2.25% | $931 |
| 55 months55 Month Special. Automatically renews into a 48-month certificate upon maturity. For a limited time only | 3.92% | $1,927 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Simple Saver Share Certificate
0.50%APY · 1 term
Can deposit additional money anytime. Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCan Deposit Additional Money Anytime | 0.50% | $50 |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.92%APY · 11 terms
Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.10% | $27 |
| 6 months | 1.25% | $62 |
| 11 months11 Month Special. Automatically renews into a 6-month certificate upon maturity. For a limited time only | 3.92% | $359 |
| 12 months | 1.40% | $140 |
| 18 months | 1.50% | $226 |
| 24 months | 1.75% | $353 |
| 30 months30 Month Special. Automatically renews into a 24-month certificate upon maturity. For a limited time only | 3.92% | $1,009 |
| 36 months | 2.00% | $612 |
| 48 months | 2.25% | $931 |
| 55 months55 Month Special. Automatically renews into a 48-month certificate upon maturity. For a limited time only | 3.92% | $1,927 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- unitedcu.org/savings-rates · captured Oct 5, 2026
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
- Eligibility is open to individuals who work or reside in Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, or Shelby County.
Cost to join
- An initial deposit of $1.00 into a share (savings) account is required for ownership; there is no membership fee to join.
Membership information collected October 4, 2026.