Credit union · NCUA insured
United Energy Credit Union CD Rates
United Energy Credit Union’s best CD rate is 4.30% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked November 7, 2026.
How United Energy Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
United Energy Credit Union
3.40%APY
- Minimum
- $500
- Earns on $10,000
- $340
Certificate of Deposit
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Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
New Money Certificate Special
4.30%APY · 1 term
Limited time offer. New money only; funds must be transferred from another financial institution.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited time offer. New money only. Funds must be transferred from another financial institution | 4.30% | $213 |
Sources (1)
- unitedenergycu.com · captured Nov 7, 2026
Certificate of Deposit
Up to 3.40%APY · 2 terms
Interest is paid at maturity. Add to CD at any time while keeping original rate and term. Automatic renewal option at maturity with a 10-day grace period. Penalty for early withdrawal. Dividends are based on credit union earnings at dividend period end and cannot be guaranteed.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsLarge Term Share Accounts. Dividends cannot be guaranteed. Penalty for early withdrawal | — | 2.92% | — | 2.92% | $145 |
| 6 monthsSmall Term Share Accounts. Dividends cannot be guaranteed. Penalty for early withdrawal | 1.82% | — | — | 1.82% | $90 |
| 12 monthsJumbo Share Accounts. Dividends cannot be guaranteed. Penalty for early withdrawal | — | — | 3.60% | —3.60% from $100k | — |
| 12 monthsLarge Term Share Accounts. Dividends cannot be guaranteed. Penalty for early withdrawal | — | 3.40% | — | 3.40% | $340 |
Sources (2)
All captured Nov 7, 2026
Who can join United Energy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships within a 10-mile radius of either branch is eligible for membership.
Employers and groups
- Active or retired CenterPoint Energy employees are eligible for membership.
- Active or retired Reliant Energy employees are eligible for membership.
Family and household
- Family members (spouse, children, brothers/sisters, aunts/uncles, nieces/nephews, cousins, parents/grandparents, grandchildren/great grandchildren) of any current members are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required for membership.
Membership information collected October 5, 2026.