Credit union · NCUA insured
UPS Employees Federal Credit Union CD Rates
UPS Employees Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How UPS Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Riverside, CA, where UPS Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UPS Employees Federal Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,167
Share Certificates
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
CU SoCal
4.50%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $920
UPS Employees Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.11%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.00%
- 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 UPS Employees 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 4.06%APY · 6 terms
Dividends are compounded and paid monthly. 10-day grace period at maturity; automatically renews into the same certificate term. Early withdrawal penalties apply. Youth certificates allow unlimited deposits.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.11% | 3.11% | $154 |
| 12 months | — | 3.80% | 3.80% | $380 |
| 12 monthsYouth Certificate; may have unlimited deposits | 4.06% | — | 4.06% | $406 |
| 24 months | — | 3.85% | 3.85% | $785 |
| 36 months | — | 3.86% | 3.86% | $1,203 |
| 48 months | — | 3.90% | 3.90% | $1,654 |
| 60 months | — | 4.00% | 4.00% | $2,167 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 5 terms
Available as Traditional and Roth IRA options. No maintenance fees. 10-day grace period at maturity; automatically renews into the same certificate term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 24 months | 3.85% | $785 |
| 36 months | 3.86% | $1,203 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
Who can join UPS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired United Parcel Service (UPS) employees are eligible for membership.
Family and household
- Immediate family members of current or retired UPS employees—including spouses, parents, grandparents, children, grandchildren, brothers, and sisters—are eligible for membership regardless of whether they live in the same household.
Cost to join
- A one-time $5 membership fee is required to become a member.
- Opening a Share Savings Account requires a $50 deposit.
Membership information collected October 5, 2026.