Bank · FDIC insured
United Valley Bank CD Rates
Top CarrotUnited Valley Bank’s best CD rate is 4.25% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How United Valley Bank’s CD rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where United Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
United Valley Bank
4.25%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $389
Certificates of Deposit
Top rate
Unity Bank
4.30%APY
- Term
- 5 months
- Minimum
- $5,000
- Earns on $10,000
- $177
2nd-highest rate
Bell Bank
4.30%APY
- Term
- 17 months
- Minimum
- $500
- Earns on $10,000
- $615
United Valley Bank CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 Valley 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 Deposit
Up to 4.25%APY · 9 terms
Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term | 3.75% | $92 |
| 6 months182 Day term | 3.50% | $173 |
| 7 months7 Month CD SPECIAL | 4.15% | $240 |
| 11 months11 Month CD SPECIAL | 4.25% | $389 |
| 12 months1 Year term | 3.50% | $350 |
| 19 months19 Month CD SPECIAL | 4.25% | $681 |
| 24 months2 Year term | 3.50% | $712 |
| 36 months3 Year term | 3.25% | $1,007 |
| 60 months5 Year term | 3.25% | $1,734 |
Sources (1)
- uvbank.net/cds-iras · captured Oct 15, 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.