Credit union · NCUA insured
Unity One Credit Union CD Rates
Top CarrotUnity One Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Unity One Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Unity One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unity One Credit Union
3.80%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $188
Savings Certificates
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Unity One Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.80%
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 One 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.
Savings Certificates
Up to 3.80%APY · 5 terms
Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings | 3.80% | $188 |
| 12 monthsFixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings | 3.55% | $355 |
| 18 monthsFixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings | 3.50% | $530 |
| 24 monthsFixed dividend rate and APY. Bump-up rate option available. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings | 3.50% | $712 |
| 36 monthsFixed dividend rate and APY. Bump-up rate option available. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings | 3.50% | $1,087 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.80%APY · 5 terms
Available for Traditional, Roth, and Educational IRAs. Pays the same APY as traditional Savings Certificates. Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsIRA Certificates earn the same APY as regular Savings Certificates | 3.80% | $188 |
| 12 monthsIRA Certificates earn the same APY as regular Savings Certificates | 3.55% | $355 |
| 18 monthsIRA Certificates earn the same APY as regular Savings Certificates | 3.50% | $530 |
| 24 monthsIRA Certificates earn the same APY as regular Savings Certificates. Bump-up rate option available | 3.50% | $712 |
| 36 monthsIRA Certificates earn the same APY as regular Savings Certificates. Bump-up rate option available | 3.50% | $1,087 |
Who can join Unity One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in specified counties in Texas and Kansas, or the greater St. Paul, MN community.
Cost to join
- Membership requires opening a savings (share) account with a $5 minimum balance requirement.
Membership information collected October 5, 2026.