Credit union · NCUA insured
UnitedOne Credit Union CD Rates
Top CarrotUnitedOne Credit Union’s best CD rate is 4.35% APY on an 11-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How UnitedOne Credit Union’s CD rates compare
Compared with banks and credit unions near Sheboygan, WI, where UnitedOne Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UnitedOne Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $398
Share Certificate
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
UnitedOne Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.35%
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 UnitedOne 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.
Share Certificate
Up to 4.35%APY · 9 terms
Membership eligibility required. Dividends calculated daily and paid quarterly. 10-day grace period at maturity.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.00% | — | — | 3.00% | $74 |
| 6 months | 4.10% | — | — | 4.10% | $203 |
| 9 months | 3.85% | — | — | 3.85% | $287 |
| 11 monthsSpecial/promotional term; renews to a 1-year certificate | 4.35% | — | — | 4.35% | $398 |
| 12 months | 2.75% | — | — | 2.75% | $275 |
| 12 monthsJumbo certificate tier | — | — | 2.85% | 2.85% | $285 |
| 18 months | — | 2.60% | — | 2.60% | $393 |
| 24 months | 2.70% | — | — | 2.70% | $547 |
| 24 monthsJumbo certificate tier | — | — | 2.80% | 2.80% | $568 |
| 36 months | — | 2.50% | — | 2.50% | $769 |
| 48 months | 2.11% | — | — | 2.11% | $871 |
| 48 monthsJumbo certificate tier | — | — | 2.21% | 2.21% | $914 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.35%APY · 7 terms
Membership eligibility required. 3-Month and 6-Month certificates are not available as IRA certificates.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 9 months | 3.85% | — | — | 3.85% | $287 |
| 11 months | 4.35% | — | — | 4.35% | $398 |
| 12 months | 2.75% | — | — | 2.75% | $275 |
| 12 monthsJumbo certificate tier | — | — | 2.85% | 2.85% | $285 |
| 18 months | — | 2.60% | — | 2.60% | $393 |
| 24 months | 2.70% | — | — | 2.70% | $547 |
| 24 monthsJumbo certificate tier | — | — | 2.80% | 2.80% | $568 |
| 36 months | — | 2.50% | — | 2.50% | $769 |
| 48 months | 2.11% | — | — | 2.11% | $871 |
| 48 monthsJumbo certificate tier | — | — | 2.21% | 2.21% | $914 |
Sources (1)
- unitedone.org/rates · captured Oct 5, 2026
Who can join UnitedOne Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Family and household
- Immediate family members of individuals who live or work in Manitowoc, Sheboygan, Kewaunee, or Door counties are eligible to join.
Cost to join
- An additional $25 deposit is required for a checking account if ordering checks.
- Opening a Primary Share Savings account requires a minimum share deposit of $5.
Membership information collected October 5, 2026.