Credit union · Privately insured
United Equity Credit Union CD Rates
Top CarrotUnited Equity Credit Union’s best CD rate is 4.75% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How United Equity Credit Union’s CD rates compare
Compared with banks and credit unions near Decatur, IL, where United Equity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Equity Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
Share Certificates
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
3rd-highest rate
First National Bank of Pana
4.40%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $440
United Equity Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
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 Equity 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 4.75%APY · 8 terms
Guaranteed returns on deposit; early withdrawals subject to penalty; no setup or maintenance fees. Rates effective as of 2026-03-23.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 11 monthsLimited Time Special! | 4.15% | $380 |
| 12 months | 3.50% | $350 |
| 12 monthsYouth certificate | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 2.75% | $848 |
| 36 monthsLimited Time Special! New Money Only | 4.45% | $1,395 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
| 60 monthsLimited Time Special! New Money Only | 4.75% | $2,612 |
Sources (2)
All captured Oct 16, 2026
Who can join United Equity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Fulton, Henry, Knox, Mercer, Peoria, Stark, or Warren counties in Illinois.
Employers and groups
- Membership is available to employees, retirees, members, students, volunteers, and subcontractors of specified partner companies and organizations.
Military, government and schools
- Membership is available to employees and retirees of Decatur Firefighters.
Family and household
- Membership is available to relatives by blood or marriage, including parents, children, stepchildren, grandchildren, brothers and sisters, aunts and uncles, etc.
Membership information collected October 5, 2026.