Credit union · NCUA insured
UPS Employees Credit Union CD Rates
UPS Employees Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 15, 2026.
How UPS Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where UPS Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UPS Employees Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $350
Share CDs
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
UPS Employees Credit Union CD score
67
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 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 UPS Employees 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 CDs
Up to 3.50%APY · 6 terms
Term Share Certificates (CDs) range from 6 months to 36 months and require a minimum deposit of $1,000.00 to $100,000.00. Interest rate is fixed until maturity with a 7-day grace period. Early withdrawal penalty is 90 days of interest on the amount withdrawn.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.50% | — | 2.50% | $124 |
| 9 months | 2.75% | — | 2.75% | $206 |
| 12 monthsCertificate Special! 12 Month Jumbo (SC) | — | 3.75% | —3.75% from $100k | — |
| 12 monthsRate is listed with typo '3.4.55%' in source, interest rate omitted as numeric null | 3.50% | — | 3.50% | $350 |
| 18 months | 3.00% | — | 3.00% | $453 |
| 24 months | 3.00% | — | 3.00% | $609 |
| 30 months | 3.00% | — | 3.00% | $767 |
Special-purpose accounts
IRA CDs
Up to 3.50%APY · 6 terms
Term Share IRA accounts (Certificates of Deposits) available as Traditional IRA or Roth IRA. Subject to early withdrawal penalties from the credit union (90 days of interest on the amount withdrawn) and IRS penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.50% | $124 |
| 9 months | 2.75% | $206 |
| 12 monthsRate is listed with typo '3.4.55%' in source, interest rate omitted as numeric null | 3.50% | $350 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
Who can join UPS Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of UPS who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Family and household
- Family members of UPS Employees who work in Tennessee, Mississippi, Arkansas, Kentucky, Georgia, Virginia, Missouri or Alabama are eligible to join.
Cost to join
- A deposit of $25.00 is required to open an account and become a member.
Membership information collected October 5, 2026.