Credit union · NCUA insured
US Employees Federal Credit Union CD Rates
US Employees Federal Credit Union’s best CD rate is 4.35% APY on a 14-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 15, 2026.
How US Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where US Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
US Employees Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Certificates of Deposit
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
WEOKIE Federal Credit Union
4.40%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $1,057
US Employees Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
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 US 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.
Certificates of Deposit
Up to 3.75%APY · 6 terms
Dividends compounded and paid monthly directly into certificate balance. Low minimum openings. Early withdrawal penalty applies based on term. NCUA insured.
| Term | APY · $500 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded monthly. Early withdrawal penalty: 90 days of dividends | 3.25% | — | 3.25% | $161 |
| 12 monthsDividends compounded monthly. Early withdrawal penalty: 180 days of dividends | 3.75% | — | 3.75% | $375 |
| 14 monthsCD Special. Dividends compounded monthly | — | 4.35% | —4.35% from $25k | — |
| 24 monthsDividends compounded monthly. Early withdrawal penalty: 180 days of dividends | 3.50% | — | 3.50% | $712 |
| 36 monthsDividends compounded monthly. Early withdrawal penalty: 360 days of dividends | 3.25% | — | 3.25% | $1,007 |
| 48 monthsDividends compounded monthly. Early withdrawal penalty: 360 days of dividends | 3.25% | — | 3.25% | $1,365 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 6 terms
Both Traditional and Roth IRA certificate options available. No setup, monthly, or annual maintenance fees. Dividends compounded monthly. Early withdrawal penalty applies based on term.
| Term | APY · $500 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded monthly. Early withdrawal penalty: 90 days of dividends | 3.25% | — | 3.25% | $161 |
| 12 monthsDividends compounded monthly. Early withdrawal penalty: 180 days of dividends | 3.75% | — | 3.75% | $375 |
| 14 monthsCD Special. Dividends compounded monthly | — | 4.35% | —4.35% from $25k | — |
| 24 monthsDividends compounded monthly. Early withdrawal penalty: 180 days of dividends | 3.50% | — | 3.50% | $712 |
| 36 monthsDividends compounded monthly. Early withdrawal penalty: 360 days of dividends | 3.25% | — | 3.25% | $1,007 |
| 48 monthsDividends compounded monthly. Early withdrawal penalty: 360 days of dividends | 3.25% | — | 3.25% | $1,365 |
Sources (2)
All captured Oct 15, 2026
Who can join US Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Membership is available to immediate family and household members of existing members, regardless of employer.
Cost to join
- Opening a Share Savings account requires a $5 minimum deposit.
Membership information collected October 4, 2026.