Credit union · NCUA insured
Universal 1 Credit Union CD Rates
Top CarrotUniversal 1 Credit Union’s best CD rate is 3.74% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Universal 1 Credit Union’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where Universal 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Universal 1 Credit Union
3.74%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,015
Certificate
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
Universal 1 Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.74%
- QualifiedQualified3.74%
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 Universal 1 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.
Certificate
Up to 3.74%APY · 10 terms
Dividends compounded daily and credited monthly. Early withdrawals of principal are subject to substantial interest/dividend penalties. Minimum opening deposit requires maintaining $5.00 par value share in a Savings account.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days' dividends for terms of 12 months or less | — | 3.56% | 3.56% | $176 |
| 7 monthsEarly withdrawal penalty is 90 days' dividends for terms of 12 months or less | — | 3.56% | 3.56% | $206 |
| 12 monthsEarly withdrawal penalty is 90 days' dividends for terms of 12 months or less | 3.56% | — | 3.56% | $356 |
| 13 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.56% | 3.56% | $386 |
| 18 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.56% | 3.56% | $539 |
| 24 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.45% | 3.45% | $702 |
| 30 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.45% | 3.45% | $885 |
| 36 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.64% | 3.64% | $1,132 |
| 48 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.71% | 3.71% | $1,569 |
| 60 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater | — | 3.74% | 3.74% | $2,015 |
Sources (2)
All captured Oct 6, 2026
Money Saver Certificate
1.61%APY · 1 term
Dividends compounded daily and credited at maturity. Additional deposits allowed with no limit. Early withdrawal before maturity results in account closure and forfeiture of all dividends earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends credited at maturity. Automatic renewal | 1.61% | $161 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 3.74%APY · 5 terms
Individual Retirement Account certificate. Dividends compounded daily and credited monthly. Additional deposits allowed with no limit. Early withdrawals are subject to penalties except when owner reaches age 72 or becomes disabled.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsEarly withdrawal penalty is 90 days' dividends for terms of 12 months or less. Additional deposits permitted | 3.56% | — | 3.56% | $356 |
| 24 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater. Additional deposits permitted | — | 3.45% | 3.45% | $702 |
| 30 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater. Additional deposits permitted | — | 3.45% | 3.45% | $885 |
| 48 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater. Additional deposits permitted | — | 3.71% | 3.71% | $1,569 |
| 60 monthsEarly withdrawal penalty is 182 days' dividends for terms of 13 months or greater. Additional deposits permitted | — | 3.74% | 3.74% | $2,015 |
HSA Certificate
1.00%APY · 1 term
Health Savings Account certificate. Dividends compounded daily and credited monthly. Early withdrawal penalty is 30 days' dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days' dividends. Automatic renewal | 1.00% | $25 |
Sources (3)
All captured Oct 6, 2026
Who can join Universal 1 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is available to individuals who live, work, worship, or attend school in Butler, Clark, Clinton, Darke, Fayette, Franklin, Greene, Guernsey, Highland, Licking, Miami, Montgomery, Pickaway, Pike, Preble, Ross, Shelby, or Warren County.
Employers and groups
- Eligibility is available to individuals who belong to a select Employee Group (SEG) or work with one of U1's company partners.
Family and household
- Eligibility is available to individuals who have a family member with a U1 account.
Cost to join
- At formation in 1937, seven Charter members each contributed $10.
Membership information collected October 5, 2026.