Credit union · NCUA insured
Unity Financial Credit Union CD Rates
Unity Financial Credit Union’s best CD rate is 1.00% APY on an 18-month share certificate (CD). Terms run from 6 months to 18 months. Rates checked October 22, 2026.
How Unity Financial Credit Union’s CD rates compare
Compared with banks and credit unions near New Haven, CT, where Unity Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unity Financial Credit Union
1.00%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $150
Term Share Certificate
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Unity Financial Credit Union CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.80%
- 9–15 months9–15 mo0.90%
- 16–30 months16–30 mo1.00%
- QualifiedQualified1.00%
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 Unity Financial 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.
Term Share Certificate
Up to 1.00%APY · 3 terms
Dividends are posted quarterly. Rate is guaranteed for the term chosen. Early withdrawal penalty applies; fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 0.80% | $40 |
| 12 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 0.90% | $90 |
| 18 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 1.00% | $150 |
Sources (2)
All captured Oct 22, 2026
Save to Win Term Share Certificate
0.60%APY · 1 term
Account holders must be 18 years or older and have an account open through the drawing period to win prizes. Every $25 saved earns an entry into monthly and quarterly prize drawings up to 100 chances per month. Early withdrawal penalty applies; fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 0.60% | $60 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 1.00%APY · 3 terms
Dividends are compounded and paid quarterly. Members are eligible to open an IRA if they have earned income or received alimony during the year. Early withdrawal penalty applies; fees may reduce earnings. Tax penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 0.80% | $40 |
| 12 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 0.90% | $90 |
| 18 monthsEarly withdrawal penalty applies. Fees may reduce earnings | 1.00% | $150 |
Sources (2)
All captured Oct 22, 2026
Who can join Unity Financial Credit Union
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