University Credit Union CD Rates

How University Credit Union’s CD rates compare

Compared with banks and credit unions near Los Angeles, CA, where University Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
University Credit Union
4.00%APY
Term
5 months
Requires
None
Minimum
$500
Earns on $10,000
$165
Elite Earnings Certificate
Top rate
Schools Federal Credit Union
5.90%APY
Term
12 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$590
Schools Federal Credit Union rates
2nd-highest rate
LA Healthcare FCU
4.86%APY
Term
12 months
Requires
None
Minimum
$1,000
Earns on $10,000
$486
LA Healthcare FCU rates

Compare CD rates near you →

CD score

Higher than 69% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.00%
9–15 months9–15 mo4.00%
16–30 months16–30 mo3.75%
31–60 months31–60 mo1.70%
QualifiedQualified4.00%

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.

How the score works →

Where University 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.

Elevation Certificate

4.00%APY · 1 termPromotionalFrom $500 to open

Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Special Promotional certificate will renew as a 12-month certificate at the available rate for the product at that time. Offer scheduled to end October 27, 2026. No maximum deposit amount. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 monthsSpecial promotional rate available only on new money deposited to UCU. Renews as a 12-month certificate. Scheduled to end on October 27, 2026. No maximum deposit	4.00%	$366

Sources (2)

All captured Oct 6, 2026

Elite Earnings Certificate

4.00%APY · 1 termPromotionalFrom $500 to open

Available only on new money deposited to UCU (money not currently or previously held in a UCU account). Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
5 monthsAvailable only on new money deposited to UCU. Renews as a 6-month certificate. No maximum deposit	4.00%	$165

Sources (2)

All captured Oct 6, 2026

Diamond Anniversary Certificate

3.75%APY · 1 termPromotionalFrom $500 to open

Special certificate for 75th anniversary. Available to new and existing University Credit Union members whose accounts are in good standing. Renews as a 6-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
5 monthsRenews as a 6-month certificate. Available to new and existing members in good standing. No maximum deposit	3.75%	$155

Sources (2)

All captured Oct 6, 2026

Lock and Roll Certificate

3.75%APY · 1 termPromotionalFrom $500 to open

Renews as a 24-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 monthsRenews as a 24-month certificate. No maximum deposit	3.75%	$764

Sources (2)

All captured Oct 6, 2026

Certificate

Up to 1.95%APY · 6 termsFrom $500 to open

Membership eligibility required. Minimum $500 opening deposit / balance to earn dividends. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	1.80%	$90
12 months	1.95%	$195
24 months	1.70%	$343
36 months	1.70%	$519
48 months	1.70%	$698
60 months	1.70%	$879

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Bump-Up Certificate

3.50%APY · 1 termIRAFrom $500 to open

Allows a one-time request to increase the Dividend Rate and APY to the rate then in effect for the credit union's 24-month published certificate, available beginning on the 11th calendar day after opening and prior to maturity. No additional deposits permitted after account opening. No maximum deposit. Dividends compounded and credited monthly. Also available for Traditional IRA and Roth IRA certificates. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 monthsOne-time rate increase option to current 24-month published certificate rate available from 11th day after opening until maturity upon member request. No additional deposits permitted after opening	3.50%	$712

Sources (2)

All captured Oct 6, 2026

IRA Certificate

Up to 1.95%APY · 6 termsIRA

Membership eligibility required. Minimum $500 balance to earn dividends. Traditional and Roth IRA certificate options available. Early withdrawal penalties apply.