Credit union · NCUA insured
University Credit Union CD Rates
Top CarrotUniversity Credit Union’s best CD rate is 4.00% APY on a 14-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How University Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, 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
- 14 months
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000
- $468
Share Certificate Specials
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
University Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.50%
- 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.
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 Certificate Specials
Up to 4.00%APY · 2 terms
Penalty for early withdrawal. Fees may affect earnings.
| Term | APY · Any balance | APY · $1,500 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 11 monthsMinimum of $1,500 to open. Penalty for early withdrawal. Fees may affect earnings | — | 3.75% | — | 3.75% | $343 |
| 14 monthsExisting members are offered the 14-month share certificate special with a minimum of $25,000 in new money to UCU. New money is defined as funds not currently on deposit at UCU that come from an outside source; transfers between existing UCU accounts do not qualify. Penalty for early withdrawal. Fees may affect earnings | — | — | 4.00% | —4.00% from $25k | — |
| 14 monthsNew Member Special offered to new members joining after 10/1/26 with a minimum of $1,500 in new money to open. New money is defined as funds not currently on deposit at UCU that come from an outside source; transfers between existing UCU accounts do not qualify. Penalty for early withdrawal. Fees may affect earnings | 4.00% | — | — | 4.00% | $468 |
Sources (1)
- ucumaine.com/specials · captured Oct 15, 2026
Monty Moose Certificates
Up to 3.30%APY · 7 terms
Monty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 3.30% | $164 |
| 12 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 3.00% | $300 |
| 18 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 2.75% | $415 |
| 24 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 2.50% | $506 |
| 36 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 2.50% | $769 |
| 48 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 2.50% | $1,038 |
| 60 monthsMonty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings | 2.50% | $1,314 |
Sources (1)
- ucumaine.com/rates · captured Oct 15, 2026
Share Certificates
Up to 3.30%APY · 7 terms
Penalty for early withdrawal. Fees may affect earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fees may affect earnings | 3.30% | $164 |
| 12 monthsPenalty for early withdrawal. Fees may affect earnings | 3.00% | $300 |
| 18 monthsPenalty for early withdrawal. Fees may affect earnings | 2.75% | $415 |
| 24 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $506 |
| 36 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $769 |
| 48 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $1,038 |
| 60 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $1,314 |
Sources (1)
- ucumaine.com/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.30%APY · 7 terms
Penalty for early withdrawal. Fees may affect earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fees may affect earnings | 3.30% | $164 |
| 12 monthsPenalty for early withdrawal. Fees may affect earnings | 3.00% | $300 |
| 18 monthsPenalty for early withdrawal. Fees may affect earnings | 2.75% | $415 |
| 24 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $506 |
| 36 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $769 |
| 48 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $1,038 |
| 60 monthsPenalty for early withdrawal. Fees may affect earnings | 2.50% | $1,314 |
Sources (1)
- ucumaine.com/rates · captured Oct 15, 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
- Individuals who live in, worship in, attend school in, or work in the rural district of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington counties, as well as businesses and other legal entities within the rural district boundaries, are eligible for membership.
Employers and groups
- Members of the Maine Consumer Council, a chapter of the American Consumer Council, are eligible for membership.
- Employees of University Credit Union are eligible for membership.
Military, government and schools
- Employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute, and employees of other units located on the campuses are eligible for membership.
Family and household
- Spouses of individuals who died while within the credit union's field of membership, as well as immediate family members (spouse, child, sibling, parent, grandparent, grandchild including step/adoptive) and persons living in the same residence maintaining a single economic unit of eligible individuals, are eligible for membership.
Membership information collected October 4, 2026.