Credit union · NCUA insured
UP Federal Credit Union CD Rates
UP Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How UP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Little Rock, AR, where UP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UP Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificates
Top rate
Hurricane Creek Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
2nd-highest rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
UP Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 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 UP 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.
Share Certificates
Up to 4.00%APY · 5 terms
Dividends on Share Certificates are paid monthly. Substantial penalties may apply for early withdrawal of funds from term accounts. Fees could reduce earnings or principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal | 1.00% | $25 |
| 6 monthsMinimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal | 4.00% | $198 |
| 12 monthsMinimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal | 3.00% | $300 |
| 18 monthsMinimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal | 3.00% | $453 |
| 24 monthsMinimum $1,000.00 to open. Dividends paid monthly. Substantial penalty for early withdrawal | 3.00% | $609 |
Sources (1)
- upfcu.org/rates.html · captured Oct 22, 2026
Who can join UP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any Arkansas resident qualifies for membership through UPFCU's partnership with the Arkansas Consumer Council (ARCC), with dues paid by the credit union.
Employers and groups
- Employees of participating companies that offer credit union membership can join.
Family and household
- Immediate family members of members are eligible for membership.
Cost to join
- An opening deposit of $5 to a share/savings account is required to join.
Membership information collected October 4, 2026.