Credit union · NCUA insured
University of Louisiana FCU CD Rates
University of Louisiana FCU’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How University of Louisiana FCU’s CD rates compare
Compared with banks and credit unions near Lafayette, LA, where University of Louisiana FCU has the most branches. $10,000, best rate first.
This credit union’s best
University of Louisiana FCU
3.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $350
Share Certificate
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
University of Louisiana FCU CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo2.80%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.95%
- 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.
Where University of Louisiana FCU 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 3.50%APY · 5 terms
No monthly service fee, but early withdrawal penalties apply. Dividends compounded and credited monthly. Funds automatically roll over into a new certificate account with the same term upon maturity unless notified otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited monthly. Penalty for early withdrawal | 2.80% | $139 |
| 12 monthsDividends compounded and credited monthly. Penalty for early withdrawal | 3.50% | $350 |
| 24 monthsDividends compounded and credited monthly. Penalty for early withdrawal | 3.00% | $609 |
| 36 monthsDividends compounded and credited monthly. Penalty for early withdrawal | 2.95% | $911 |
| 60 monthsDividends compounded and credited monthly. Penalty for early withdrawal | 2.75% | $1,453 |
Special-purpose accounts
Coverdell Education Certificate
Up to 3.50%APY · 5 terms
Coverdell Education Savings Certificate Account. No monthly service fees. Deposit up to $2,000 per year for each child under 18. Qualified withdrawals are tax-free for higher education; money must be withdrawn by age 30.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 2.80% | $139 |
| 12 monthsPenalty for early withdrawal | 3.50% | $350 |
| 24 monthsPenalty for early withdrawal | 3.00% | $609 |
| 36 monthsPenalty for early withdrawal | 2.95% | $911 |
| 60 monthsPenalty for early withdrawal | 2.75% | $1,453 |
IRA Certificate (Traditional or Roth)
Up to 3.50%APY · 5 terms
Traditional and Roth IRA share certificate options available. No monthly or annual service fees. Penalties and tax restrictions may apply to early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional or Roth IRA. Penalty for early withdrawal | 2.80% | $139 |
| 12 monthsTraditional or Roth IRA. Penalty for early withdrawal | 3.50% | $350 |
| 24 monthsTraditional or Roth IRA. Penalty for early withdrawal | 3.00% | $609 |
| 36 monthsTraditional or Roth IRA. Penalty for early withdrawal | 2.95% | $911 |
| 60 monthsTraditional or Roth IRA. Penalty for early withdrawal | 2.75% | $1,453 |
Who can join University of Louisiana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is available to faculty, staff, and current students of South Louisiana Community College.
- Membership is available to faculty, staff, current students, and alumni of University of Louisiana at Lafayette.
Family and household
- Membership is open to immediate family members of existing UL Federal Credit Union members, including children (adopted and stepchildren), siblings, parents, grandparents, and grandchildren.
Other ways
- Individuals not eligible through other affiliations may qualify for membership by becoming a UL Lafayette Alumni Association Donor with a one-time gift to the Alumni Association Loyalty Fund.
Cost to join
- An opening deposit requires a $5 one-time membership fee.
- An opening deposit includes a $5 minimum deposit / share value that must remain on deposit for the duration of membership.
Membership information collected October 5, 2026.