United Financial Credit Union CD Rates

How United Financial Credit Union’s CD rates compare

Compared with banks and credit unions near Saginaw, MI, where United Financial Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
United Financial Credit Union
4.40%APY
Term
16 months
Minimum
$500
Earns on $10,000
$591
16 Month CD Special (New Money)
Top rate
Health Advantage Credit Union
4.50%APY
Term
9 months
Minimum
$500
Earns on $10,000
$336
Health Advantage Credit Union rates
2nd-highest rate
Dow Credit Union
4.50%APY
Term
13 months
Minimum
$500
Earns on $10,000
$488
Dow Credit Union rates

Compare CD rates near you →

CD score

Higher than 88% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.25%
9–15 months9–15 mo4.15%
16–30 months16–30 mo4.40%
31–60 months31–60 mo3.20%
QualifiedQualified4.40%

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.

How the score works →

Where United Financial 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.

16 Month CD Special (New Money)

4.40%APY · 1 termPromotionalFrom $500 to open

Fixed rate for term. Minimum deposit $500. Valid on new money only. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
16 monthsValid on New Money Only. Minimum investment $500	4.40%	$591

Sources (1)

unitedfinancialcu.org/invest/certificates-cds · captured Oct 16, 2026

16 Month CD Special

4.20%APY · 1 termFrom $500 to open

Fixed rate for term. Minimum deposit $500. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
16 monthsMinimum investment $500	4.20%	$564

Sources (1)

unitedfinancialcu.org/invest/certificates-cds · captured Oct 16, 2026

11 Month CD Special (New Money)

4.15%APY · 1 termPromotionalFrom $500 to open

Fixed rate for term. Minimum deposit $500. Valid on new money only. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 monthsValid on New Money Only. Minimum balance to earn APY is $500	4.15%	$380

Sources (2)

All captured Oct 16, 2026

11 Month CD Special

4.05%APY · 1 termFrom $500 to open

Fixed rate for term. Minimum deposit $500. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 monthsMinimum balance to earn APY is $500	4.05%	$371

Sources (2)

All captured Oct 16, 2026

Hometown Hero CD

Up to 3.25%APY · 2 termsFrom $250 to open

Available for Veterans, Active Military, and First Responders including EMT, Police and Fire staff. Fixed rate for term. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months6 month term. Minimum balance to earn APY is $250	3.25%	$161
18 months18 month term. Minimum balance to earn APY is $250	3.20%	$484

Sources (2)

All captured Oct 16, 2026

Certificate of Deposit

Up to 3.20%APY · 6 termsFrom $500 to open

Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty applies. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsMinimum balance to earn APY is $500	3.00%	$149
12 monthsMinimum balance to earn APY is $500	2.85%	$285
18 monthsMinimum balance to earn APY is $500	2.95%	$446
24 monthsMinimum balance to earn APY is $500	2.95%	$599
48 monthsMinimum balance to earn APY is $500	3.20%	$1,343
60 monthsMinimum balance to earn APY is $500	3.20%	$1,706

Sources (2)

All captured Oct 16, 2026

Safe Parking CD

3.10%APY · 1 termFrom $500 to open

Allows a one time withdrawal of up to 50% of the balance of the CD with no penalty. Fixed rate for 36 month term. Dividends compounded and credited daily/monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 monthsAllows one-time penalty-free withdrawal of up to 50% of CD balance. Minimum balance to earn APY is $500	3.10%	$959

Sources (2)

All captured Oct 16, 2026

Step Up CD

3.10%APY · 1 termPromotionalFrom $500 to open

Allows you to 'step-up' the rate to whatever the current rate is, once during the 20 month term. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
20 monthsAllows step-up of rate once during 20 month term. Minimum balance to earn APY is $500	3.10%	$522

Sources (2)

All captured Oct 16, 2026

Save to Win CD

2.40%APY · 1 termFrom $25 to open

12 month certificate of deposit with prize entries: every $25 saved earns another chance to win, up to 10 chances every month. Limit 1 per member. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsOpening minimum $25. Minimum balance to earn APY is $500. Limit 1 per member	2.40%	$240

Sources (2)

All captured Oct 16, 2026

Grand Account Certificate of Deposit

0.11%APY$1,000 to open

Opening balance in increments of $1,000.00. Dividends compounded and credited daily/monthly. Fixed rate for term. Penalty for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum opening balance in increments of $1,000.00.Any balance	0.11%	$11	Minimum opening balance in increments of $1,000.00.

Sources (1)

unitedfinancialcu.org/wp-conte…vice-Charges-8.19.26.pdf · captured Oct 16, 2026

Special-purpose accounts

6 Month 4H or FFA CD

5.05%APY · 1 termKids and teens

For youth involved with 4H Club or Future Farmers of America (FFA). Opened with check from sale of animal or craft items from youth fair participation. Max deposit $5000. Fixed rate for 6 month term. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsAmount of 4H or FFA Youth Fair Participation Check. Maximum $5,000	5.05%	—

Sources (2)

All captured Oct 16, 2026

6 Month SmartStart Youth CD

5.00%APY · 1 termKids and teensRequirements applyFrom $100 to open

Available for members under the age of 21. Limit 1 per member (members may open a 2nd CD if joint owner has an Elite Checking Account). Deposit between $100 and $2,000. Fixed rate for term. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsAvailable for members under the age of 21. Limit 1 per member; 2nd CD allowed if joint owner has an Elite Checking Account. Minimum balance to earn APY is $100	5.00%	—

Sources (2)

All captured Oct 16, 2026

12 Month HSA Certificate of Deposit

2.85%APY · 1 termHSAFrom $500 to open

Health Savings Account Certificate of Deposit. Fixed rate for 12 month term. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsMinimum balance to earn APY is $500	2.85%	$285

Sources (2)

All captured Oct 16, 2026

Save to Win CD : Youth Edition

2.40%APY · 1 termKids and teensFrom $10 to open

12 month certificate of deposit youth edition with prize entries: every $10 saved earns another chance to win. Limit 1 per member. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsOpening minimum $10. Minimum balance to earn APY is $500. Limit 1 per member	2.40%	$240

Sources (2)

All captured Oct 16, 2026

Grand Account IRA Certificate of Deposit

0.11%APYIRA$1,000 to open

Opening balance in increments of $1,000.00. Dividends compounded and credited daily/monthly. Fixed rate for term. Penalty for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum opening balance in increments of $1,000.00.Any balance	0.11%	$11	Minimum opening balance in increments of $1,000.00.

Sources (1)

unitedfinancialcu.org/wp-conte…vice-Charges-8.19.26.pdf · captured Oct 16, 2026

Who can join United Financial 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 the lower peninsula of Michigan are eligible to join.

Family and household

Immediate family members or household members of current United Financial members (including qualifying out-of-state relatives) are eligible to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← United Financial Credit Union overview

How United Financial Credit Union’s CD rates compare

United Financial Credit Union CD score

Current CD rates

16 Month CD Special (New Money)

16 Month CD Special

11 Month CD Special (New Money)

11 Month CD Special

Hometown Hero CD

Certificate of Deposit

Safe Parking CD

Step Up CD

Save to Win CD

Grand Account Certificate of Deposit

Special-purpose accounts

6 Month 4H or FFA CD

6 Month SmartStart Youth CD

12 Month HSA Certificate of Deposit

Save to Win CD : Youth Edition

Grand Account IRA Certificate of Deposit

Who can join United Financial Credit Union

Where you live or work

Family and household