Credit union · NCUA insured
Universal Federal Credit Union CD Rates
Universal Federal Credit Union’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Universal Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Universal Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Universal Federal Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $356
Share Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Universal Federal Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo0.50%
- QualifiedQualified3.56%
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 Federal 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.
Share Certificate
Up to 3.56%APY · 5 terms
Dividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $5,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited quarterly | 1.51% | $75 |
| 12 monthsDividends compounded and credited quarterly | 3.56% | $356 |
| 24 monthsDividends compounded and credited quarterly | 2.52% | $510 |
| 36 monthsDividends compounded and credited quarterly | 0.45% | $136 |
| 48 monthsDividends compounded and credited quarterly | 0.50% | $202 |
Special-purpose accounts
IRA Certificate
0.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsMinimum opening deposit and balance to earn APY $5,000. Effective Date: 2024-07-09 | 0.50% | $202 |
Who can join Universal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, goes to school, worships, volunteers, or belongs to an association in Cabell County or Wayne County in West Virginia, or Lawrence County in Ohio is eligible for membership.
Military, government and schools
- School employees in Mason and Lincoln Counties in West Virginia are eligible for membership.
Membership information collected October 4, 2026.