Credit union · NCUA insured
Utilities Employees Credit Union CD Rates
Top CarrotUtilities Employees Credit Union’s best CD rate is 4.20% APY on a 20-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Utilities Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Reading, PA, where Utilities Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utilities Employees Credit Union
4.20%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $710
Advantages Certificate of Deposit
Top rate
Sun Federal Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Utilities Employees Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.20%
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 Utilities 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.
Advantages Certificate of Deposit
Up to 4.20%APY · 11 terms
Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
| Term | APY · $500 – $10,000 | APY · $10,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.40% | 3.50% | 3.60% | 3.50%3.40% $500–$10k3.60% from $75k | $86 |
| 6 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $178 |
| 12 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $360 |
| 13 monthsSpecial CD | 4.10% | 4.10% | 4.10% | 4.10%4.10% $500–$10k4.10% from $75k | $445 |
| 18 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $545 |
| 20 monthsSpecial CD | 4.20% | 4.20% | 4.20% | 4.20%4.20% $500–$10k4.20% from $75k | $710 |
| 24 months | 3.55% | 3.65% | 3.75% | 3.65%3.55% $500–$10k3.75% from $75k | $743 |
| 30 months | 3.60% | 3.70% | 3.80% | 3.70%3.60% $500–$10k3.80% from $75k | $951 |
| 36 months | 3.60% | 3.70% | 3.80% | 3.70%3.60% $500–$10k3.80% from $75k | $1,152 |
| 48 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$10k3.85% from $75k | $1,587 |
| 60 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$10k3.85% from $75k | $2,021 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Advantages IRA Certificate of Deposit
Up to 4.20%APY · 11 terms
Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal. No account opening or maintenance fees.
| Term | APY · $500 – $10,000 | APY · $10,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.40% | 3.50% | 3.60% | 3.50%3.40% $500–$10k3.60% from $75k | $86 |
| 6 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $178 |
| 12 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $360 |
| 13 monthsSpecial CD | 4.10% | 4.10% | 4.10% | 4.10%4.10% $500–$10k4.10% from $75k | $445 |
| 18 months | 3.50% | 3.60% | 3.70% | 3.60%3.50% $500–$10k3.70% from $75k | $545 |
| 20 monthsSpecial CD | 4.20% | 4.20% | 4.20% | 4.20%4.20% $500–$10k4.20% from $75k | $710 |
| 24 months | 3.55% | 3.65% | 3.75% | 3.65%3.55% $500–$10k3.75% from $75k | $743 |
| 30 months | 3.60% | 3.70% | 3.80% | 3.70%3.60% $500–$10k3.80% from $75k | $951 |
| 36 months | 3.60% | 3.70% | 3.80% | 3.70%3.60% $500–$10k3.80% from $75k | $1,152 |
| 48 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$10k3.85% from $75k | $1,587 |
| 60 months | 3.65% | 3.75% | 3.85% | 3.75%3.65% $500–$10k3.85% from $75k | $2,021 |
Sources (3)
All captured Oct 16, 2026
Who can join Utilities Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Pennsylvania can join UECU through the Pennsylvania Consumer Council (PACC).
Employers and groups
- Employees and retirees of UECU's Partner Companies are eligible for membership.
Family and household
- Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are eligible to join.
Cost to join
- Membership in UECU is free with no cost to join.
Membership information collected October 5, 2026.