Credit union · NCUA insured
University Credit Union CD Rates
University Credit Union’s best CD rate is 1.50% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How University Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where University Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University Credit Union
1.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $302
Share Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
University Credit Union CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified1.50%
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 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.
Share Certificates
Up to 1.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 1.00% | $50 |
| 12 months | 1.25% | $125 |
| 24 months | 1.50% | $302 |
| 36 months | 1.50% | $457 |
| 60 months | 1.50% | $773 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 1.50%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.25% | $125 |
| 24 months | 1.50% | $302 |
| 36 months | 1.50% | $457 |
| 60 months | 1.50% | $773 |
Sources (1)
- ucumiami.org/personal/invest/ira · captured Sep 18, 2026
Who can join University 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This may be incomplete or out of date, so check with the credit union before you apply.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 working or living in Miami-Dade County is eligible for membership.
Employers and groups
- Membership in Florida Consumer Council qualifies for eligibility.
- Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties is eligible for membership.
- UHealth staff and their immediate families are eligible for membership.
Military, government and schools
- Florida International University faculty, staff, students, alumni and their immediate families are eligible for membership.
- St. Thomas University faculty, staff, students, alumni and their immediate families are eligible for membership.
1 more way to join
Military, government and schools
- University of Miami faculty, staff, students, alumni and their immediate families are eligible for membership.
Cost to join
- An initial deposit into the new account is required using a credit or debit card.
Membership information collected October 5, 2026.