Credit union · NCUA insured
United Poles Federal Credit Union CD Rates
Top CarrotUnited Poles Federal Credit Union’s best CD rate is 3.76% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How United Poles Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Poles Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Poles Federal Credit Union
3.76%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $186
Certificate
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
United Poles Federal Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.76%
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 Poles 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 3.76%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.76% | $186 |
| 12 months | 3.66% | $366 |
| 18 months | 3.61% | $546 |
| 24 months | 3.50% | $712 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.45% | $1,848 |
Sources (1)
- unitedpolesfcu.com/d_rates.html · captured Sep 19, 2026
Platinum Certificate
3.66%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.66% | $273 |
| 12 months | 3.66% | $366 |
Sources (1)
- unitedpolesfcu.com/d_rates.html · captured Sep 19, 2026
Certificate PLU$
3.45%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.45% | $1,071 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.45% | $1,848 |
Sources (1)
- unitedpolesfcu.com/d_rates.html · captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
3.65%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 3.65% | $1,963 |
| 84 months | 3.65% | $2,852 |
| 120 months | 3.65% | $4,312 |
Sources (1)
- unitedpolesfcu.com/d_rates.html · captured Sep 19, 2026
Who can join United Poles Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of United Poles Federal Credit Union.
- Membership is available to members of Nest 822 of the Polish Falcons in South River, NJ.
- Membership is available to members of Polish-American Congress, the New Jersey Division.
- Membership is available to members of Polish National Fund of New Jersey.
- Membership is available to members of Polish Veterans Association in South River, NJ.
- Membership is available to members of United Poles in America, Inc. (also known as ZPA in Perth Amboy, NJ).
2 more ways to join
Family and household
- Membership is available to immediate family and household members of partner association members and Credit Union employees.
Other ways
- Membership is available to organizations of eligible persons (members of partner associations, employees, and their immediate family/household members).
Cost to join
- The minimum deposit in a share-savings account is $50.00.
- Annual dues of $20 to join ZPA, payable upfront at the time of opening an account until the end of the calendar year and thereafter on each March 1st. Minors and family members of current members are exempt.
Membership information collected October 5, 2026.