Bank · FDIC insured
United Trust Bank CD Rates
United Trust Bank’s best CD rate is 4.05% APY on a 1-year CD. Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How United Trust Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where United Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
United Trust Bank
3.85%APY
- Term
- 12 months
- Minimum
- $3,000
- Earns on $10,000
- $385
Certificates of Deposits
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
United Trust Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo2.80%
- QualifiedQualified3.85%
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 Trust Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposits
Up to 3.85%APY · 5 terms
Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.
| Term | APY · $3,000 – $75,000 | APY · $75,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months6 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.55% | — | 3.55% | $176 |
| 6 months6 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.75% | —3.75% $75k–$250k | — |
| 12 months12 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.85% | — | 3.85% | $385 |
| 12 months12 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 4.05% | —4.05% $75k–$250k | — |
| 17–19 months17/18/19 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.55% | — | 3.55% | $507 |
| 17–19 months17/18/19 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.75% | —3.75% $75k–$250k | — |
| 24 months24 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.50% | — | 3.50% | $712 |
| 24 months24 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.70% | —3.70% $75k–$250k | — |
| 36 months36 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 2.80% | — | 2.80% | $864 |
| 36 months36 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.00% | —3.00% $75k–$250k | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.85%APY · 5 terms
Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.
| Term | APY · $3,000 – $75,000 | APY · $75,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months6 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.55% | — | 3.55% | $176 |
| 6 months6 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.75% | —3.75% $75k–$250k | — |
| 12 months12 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.85% | — | 3.85% | $385 |
| 12 months12 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 4.05% | —4.05% $75k–$250k | — |
| 17–19 months17/18/19 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.55% | — | 3.55% | $507 |
| 17–19 months17/18/19 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.75% | —3.75% $75k–$250k | — |
| 24 months24 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 3.50% | — | 3.50% | $712 |
| 24 months24 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.70% | —3.70% $75k–$250k | — |
| 36 months36 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply | 2.80% | — | 2.80% | $864 |
| 36 months36 Month Special; tier $75,000.00 - $250,000.00; early withdrawal penalty may apply | — | 3.00% | —3.00% $75k–$250k | — |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.