Bank · FDIC insured
Unity Bank CD Rates
Unity Bank’s best CD rate is 4.30% APY on a 5-month CD. Rates checked October 16, 2026.
How Unity Bank’s CD rates compare
Compared with banks and credit unions in Minnesota, where Unity Bank has the most branches. $10,000, best rate first.
This bank’s best
Unity Bank
4.30%APY
- Term
- 5 months
- Minimum
- $5,000
- Earns on $10,000
- $177
CD Special
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Special
4.30%APY · 1 term
Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsInterest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer | 4.30% | $177 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA CD Special
3.85%APY · 1 term
Early withdrawal penalty applies. Consult a tax professional for retirement plan advice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsInterest is credited quarterly. Account will automatically renew at maturity for 24 months. Early withdrawal fees may apply. Offer valid for a limited time | 3.85% | $785 |
Sources (2)
All captured Sep 18, 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.