Credit union · NCUA insured
United Northwest Federal Credit Union CD Rates
United Northwest Federal Credit Union’s best CD rate is 3.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How United Northwest Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Kansas, where United Northwest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Northwest Federal Credit Union
3.00%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $927
Certificate
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Grant County Bank
4.69%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,576
United Northwest Federal Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo1.75%
- 9–15 months9–15 mo2.30%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
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 Northwest 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.
Certificate
Up to 3.00%APY · 5 terms
Certificate rates subject to change daily. Early withdrawal penalty fee applies on all certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty fee applies | 1.75% | $87 |
| 12 monthsEarly withdrawal penalty fee applies | 2.30% | $230 |
| 18 monthsEarly withdrawal penalty fee applies | 2.50% | $377 |
| 24 monthsEarly withdrawal penalty fee applies | 2.65% | $537 |
| 36 monthsEarly withdrawal penalty fee applies | 3.00% | $927 |
Sources (1)
- unwfcu.org/rates · captured Sep 18, 2026
Who can join United Northwest Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who work or reside in Norton, Decatur, or Rawlins counties in Kansas.
Membership information collected October 4, 2026.