University Federal Credit Union CD Rates

How University Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Grand Forks, ND-MN, where University Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
University Federal Credit Union
3.50%APY
Term
6 months
Minimum
$1,000
Earns on $10,000
$173
Term Share Certificates
Top rate
Unity Bank
4.30%APY
Term
5 months
Minimum
$5,000
Earns on $10,000
$177
Unity Bank rates
2nd-highest rate
Bell Bank
4.30%APY
Term
17 months
Minimum
$500
Earns on $10,000
$615
Bell Bank rates

Compare CD rates near you →

CD score

Higher than 20% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.50%
9–15 months9–15 mo3.00%
16–30 months16–30 mo2.65%
QualifiedQualified3.50%

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.

How the score works →

Where University 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.

Term Share Certificates

Up to 3.50%APY · 3 termsFrom $1,000 to open

No service charge. All accounts are insured up to $250,000.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	3.50%	$173
12 months	3.00%	$300
24 months	2.65%	$537

Sources (2)

All captured Oct 4, 2026

Who can join University Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

Faculty and staff of the University of North Dakota are eligible for membership.
Students of the University of North Dakota are eligible for membership.

Cost to join

Establish membership with a $25 deposit.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← University Federal Credit Union overview