Credit union · NCUA insured
UNOFCU CD Rates
UNOFCU’s best CD rate is 3.58% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How UNOFCU’s CD rates compare
Compared with banks and credit unions near New Orleans, LA, where UNOFCU has the most branches. $10,000, best rate first.
This credit union’s best
UNOFCU
3.58%APY
- Term
- 6 months
- Minimum
- $300
- Earns on $10,000
- $177
Share Certificates
Top rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
2nd-highest rate
New Orleans Firemen's Federal Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $920
UNOFCU CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.58%
- 9–15 months9–15 mo3.58%
- 16–30 months16–30 mo3.58%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.58%
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 UNOFCU 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 3.58%APY · 5 terms
Fixed rate of return. Dividends are paid on the first day of each calendar month. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.58% | $177 |
| 12 months | 3.58% | $358 |
| 24 months | 3.58% | $728 |
| 36 months | 3.03% | $938 |
| 60 months | 3.03% | $1,612 |
Who can join UNOFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents, employers, employees, and individuals who worship or attend school in St. Bernard Parish and Orleans Parish are eligible to join.
Military, government and schools
- Alumni of the University of New Orleans are eligible to join UNOFCU.
- Faculty and staff of the university community are eligible to join UNOFCU.
- Currently enrolled international students at LSU New Orleans are eligible for membership.
- Current and transfer students of LSU New Orleans / University of New Orleans are eligible to join.
Family and household
- Parents of LSU New Orleans students may open an account or be a joint member with their student.
Cost to join
- A $5.00 membership fee is waived for international students.
- A $5.00 membership fee is standard but waived for incoming and transfer students.
Membership information collected October 5, 2026.