Credit union · NCUA insured
United Local Credit Union CD Rates
United Local Credit Union’s best CD rate is 0.60% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How United Local Credit Union’s CD rates compare
Compared with banks and credit unions near Fresno, CA, where United Local Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Local Credit Union
0.55%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $110
Certificate of Deposits - Standard
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
United Local Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo0.25%
- 16–30 months16–30 mo0.55%
- QualifiedQualified0.55%
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 Local 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.
Certificate of Deposits - Standard
Up to 0.55%APY · 4 terms
Dividends are compounded daily and paid monthly. Substantial penalty for early withdrawal. Rates are blended from the first tier through the top tier.
| Term | APY · $2,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.10% | 0.15% | 0.15% | 0.20% | 0.15%0.10% $2k–$10k0.15% $50k–$100k0.20% from $100k | $7 |
| 12 months | 0.20% | 0.25% | 0.25% | 0.30% | 0.25%0.20% $2k–$10k0.25% $50k–$100k0.30% from $100k | $25 |
| 18 months | 0.30% | 0.45% | 0.45% | 0.50% | 0.45%0.30% $2k–$10k0.45% $50k–$100k0.50% from $100k | $68 |
| 24 months | 0.40% | 0.55% | 0.55% | 0.60% | 0.55%0.40% $2k–$10k0.55% $50k–$100k0.60% from $100k | $110 |
Sources (1)
- unitedlocal.org/accounts/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Certificate of Deposits - IRA
Up to 0.55%APY · 4 terms
Dividends are compounded daily and paid monthly. Substantial penalty for early withdrawal. Refer to IRA Agreement & Disclosures for additional details. Rates are blended from the first tier through the top tier.
| Term | APY · $2,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.10% | 0.15% | 0.15% | 0.20% | 0.15%0.10% $2k–$10k0.15% $50k–$100k0.20% from $100k | $7 |
| 12 months | 0.20% | 0.25% | 0.25% | 0.30% | 0.25%0.20% $2k–$10k0.25% $50k–$100k0.30% from $100k | $25 |
| 18 months | 0.30% | 0.45% | 0.45% | 0.50% | 0.45%0.30% $2k–$10k0.45% $50k–$100k0.50% from $100k | $68 |
| 24 months | 0.40% | 0.55% | 0.55% | 0.60% | 0.55%0.40% $2k–$10k0.55% $50k–$100k0.60% from $100k | $110 |
Sources (2)
All captured Oct 6, 2026
Who can join United Local Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives or works in Fresno, Madera, Tulare, Kings, or Merced Counties.
Employers and groups
- Members of any local union affiliated with the Central Labor Council are eligible for membership.
- Retail Clerks from Fresno, Madera, Tulare, Kings, Mariposa, and Merced counties are eligible for membership.
Membership information collected October 5, 2026.