Credit union · NCUA insured
Unitus Community Credit Union CD Rates
Unitus Community Credit Union’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Unitus Community Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Unitus Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unitus Community Credit Union
3.65%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $365
Certificates of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Unitus Community Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.65%
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 Unitus Community 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.
Certificates of Deposit
Up to 3.65%APY · 7 terms
$500 minimum opening deposit for Regular Certificates. Penalty for early withdrawal may apply. Additional deposits not permitted after account opening. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Optima Club 60 Mo Certificate requires $2,500 minimum opening balance.
| Term | APY · $500 – $20,000 | APY · $20,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.45% | 3.45% | 3.45% | 3.45%3.45% $20k–$50k3.45% from $50k | $171 |
| 12 months | 3.65% | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $365 |
| 18 months | 3.55% | 3.55% | 3.55% | 3.55%3.55% $20k–$50k3.55% from $50k | $537 |
| 24 months | 2.50% | 2.50% | 2.50% | 2.50%2.50% $20k–$50k2.50% from $50k | $506 |
| 36 months | 2.50% | 2.50% | 2.50% | 2.50%2.50% $20k–$50k2.50% from $50k | $769 |
| 48 months | 2.50% | 2.50% | 2.50% | 2.50%2.50% $20k–$50k2.50% from $50k | $1,038 |
| 60 months | 2.50% | 2.50% | 2.50% | 2.50%2.50% $20k–$50k2.50% from $50k | $1,314 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.65%APY · 7 terms
$500 minimum opening deposit. Additional deposits of $10 or more are allowed. Penalty for early withdrawal may apply; exceptions include normal distributions after age 59 1/2. Early withdrawal penalty: 12 months or less = 90 days' interest; greater than 12 months up to 35 months = 180 days' interest; greater than 35 months = 270 days' interest. 10-day renewal grace period. Any CD can be used for an IRA.
| Term | APY · $500 – $20,000 | APY · $20,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.45% | 3.45% | 3.45% | 3.45%3.45% $20k–$50k3.45% from $50k | $171 |
| 12 months | 3.65% | 3.65% | 3.65% | 3.65%3.65% $20k–$50k3.65% from $50k | $365 |
| 18 months | 3.55% | 3.55% | 3.55% | 3.55%3.55% $20k–$50k3.55% from $50k | $537 |
| 24 months | 2.50% | 2.50% | — | 2.50%2.50% $20k–$50k | $506 |
| 24 months24 Mo Term. Balance $500-$19,999.99 | 2.50% | — | — | 2.50% | $506 |
| 36 months | 2.50% | 2.50% | — | 2.50%2.50% $20k–$50k | $769 |
| 36 months36 Mo Term. Balance $500-$19,999.99 | 2.50% | — | — | 2.50% | $769 |
| 48 months | 2.50% | 2.50% | — | 2.50%2.50% $20k–$50k | $1,038 |
| 48 months48 Mo Term. Balance $500-$19,999.99 | 2.50% | — | — | 2.50% | $1,038 |
| 60 months | 2.50% | 2.50% | — | 2.50%2.50% $20k–$50k | $1,314 |
| 60 months60 Mo Term. Balance $500-$19,999.99 | 2.50% | — | — | 2.50% | $1,314 |
Sources (2)
All captured Oct 22, 2026
Who can join Unitus Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Eligible to join by joining the American Consumer Council (ACC) for free at no additional cost if living outside Washington State or the listed Oregon counties.
Where you live or work
- Eligible to join if you live or work in the Oregon counties of Benton, Clackamas, Columbia, Deschutes, Douglas, Hood River, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, or Yamhill.
- Eligible to join if you live or work in the State of Washington, including directors, retirees, volunteers, and contract workers for organizations located anywhere in Washington.
Employers and groups
- Eligible to join if you own a business anywhere in Oregon or Washington by joining the American Consumer Council (ACC).
Family and household
- Eligible to join if you are an immediate family member (including grandparents, parents, spouse, children, stepchildren, grandchildren, brothers, sisters, half-brothers, half-sisters, aunts, uncles, and domestic partners) of any person who qualifies or qualified for membership or of deceased members who qualified at time of death.
Cost to join
- A one-time membership fee of $10.00 is required to join.
- An opening deposit of $5.00 for Prime Share is required to join.
Membership information collected October 4, 2026.