Credit union · NCUA insured
UTFCU CD Rates
UTFCU’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How UTFCU’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where UTFCU has the most branches. $10,000, best rate first.
This credit union’s best
UTFCU
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Savings Certificates
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
UTFCU CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.66%
- 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 UTFCU 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.
Savings Certificates
Up to 4.00%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 90 days dividends | 4.00% | $400 |
| 24 monthsEarly withdrawal penalty: 90 days dividends | 3.56% | $725 |
| 36 monthsEarly withdrawal penalty: 90 days dividends | 3.61% | $1,123 |
| 48 monthsEarly withdrawal penalty: 180 days dividends | 3.61% | $1,524 |
| 60 monthsEarly withdrawal penalty: 180 days dividends | 3.66% | $1,969 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 90 days dividends | 4.00% | $400 |
| 24 monthsEarly withdrawal penalty: 90 days dividends | 3.56% | $725 |
| 36 monthsEarly withdrawal penalty: 90 days dividends | 3.61% | $1,123 |
| 48 monthsEarly withdrawal penalty: 180 days dividends | 3.61% | $1,524 |
| 60 monthsEarly withdrawal penalty: 180 days dividends | 3.66% | $1,969 |
Who can join UTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the University of Toledo Alumni Association can join the credit union (non-alumni may join the Alumni Association to qualify).
Military, government and schools
- Faculty, staff, physicians, residents, and students of the University of Toledo are eligible to join the credit union.
Family and household
- Direct family members (mom, dad, brother, sister, son, and daughter) of an existing UTFCU member are eligible to join.
Cost to join
- A minimum of $5.00 Membership Share deposit is required for UTFCU membership.
Membership information collected October 5, 2026.