Credit union · NCUA insured
United Federal Credit Union CD Rates
United Federal Credit Union’s best CD rate is 4.10% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Niles, MI, where United Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Federal Credit Union
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
Share Certificates
Top rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
United Federal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo1.70%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo2.20%
- QualifiedQualified4.10%
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 Federal 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 4.10%APY · 10 terms
Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 3 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.60% | $40 |
| 6 months | 1.55% | $77 |
| 6 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.65% | $82 |
| 7 months7 Month Special | 4.00% | $231 |
| 7 months7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 4.10% | $237 |
| 12 months | 1.60% | $160 |
| 12 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.70% | $170 |
| 18 months | 1.65% | $249 |
| 18 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.75% | $264 |
| 21 months21 Month Special | 4.00% | $710 |
| 21 months21 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 4.10% | $728 |
| 24 months | 1.85% | $373 |
| 24 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.95% | $394 |
| 36 months | 2.00% | $612 |
| 36 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.10% | $643 |
| 48 months | 2.05% | $846 |
| 48 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.15% | $888 |
| 60 months | 2.10% | $1,095 |
| 60 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.20% | $1,149 |
Sources (1)
- unitedfcu.com/personal/bank/sa…idual-retirement-account · captured Oct 16, 2026
Bump Up Certificate
Up to 2.10%APY · 1 term
Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 2.00% | $612 |
| 36 monthsBonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.10% | $643 |
Sources (1)
- unitedfcu.com/rates-and-fees/rates/dividend-rates · captured Oct 16, 2026
Liquid Certificate
Up to 1.70%APY · 1 term
Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.60% | $160 |
| 12 monthsBonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.70% | $170 |
Sources (1)
- unitedfcu.com/rates-and-fees/rates/dividend-rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 10 terms
Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 3 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.60% | $40 |
| 6 months | 1.55% | $77 |
| 6 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.65% | $82 |
| 7 months7 Month Special | 4.00% | $231 |
| 7 months7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 4.10% | $237 |
| 12 months | 1.60% | $160 |
| 12 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.70% | $170 |
| 18 months | 1.65% | $249 |
| 18 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.75% | $264 |
| 21 months21 Month Special | 4.00% | $710 |
| 21 months21 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 4.10% | $728 |
| 24 months | 1.85% | $373 |
| 24 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 1.95% | $394 |
| 36 months | 2.00% | $612 |
| 36 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.10% | $643 |
| 48 months | 2.05% | $846 |
| 48 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.15% | $888 |
| 60 months | 2.10% | $1,095 |
| 60 monthsIncludes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00 | 2.20% | $1,149 |
Sources (1)
- unitedfcu.com/personal/bank/sa…idual-retirement-account · captured Oct 16, 2026
Who can join United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership opportunities are provided through partnership with the American Consumer Council (ACC).
Cost to join
- A Membership Savings account is required for membership at United, with a minimum opening deposit of $5.
Membership information collected October 5, 2026.