Utilities Employees Credit Union
Maximize your savings
Certificates of Deposit (CDs) and
Individual Retirement Account (IRA) CDs
Call 800.288.6423 to Get Started!
| $500 to $9,999.99 | $500 to $9,999.99 | $10,000 to $74,999.99 | $10,000 to $74,999.99 | $75,000+ | $75,000+ | |
|---|---|---|---|---|---|---|
| Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | Rate | APY1APY=Annual Percentage Yield. Rates are effective as of 1/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 5-month certificate renews at 3 months after maturity. 9-month certificate renews at 6 months after maturity. See Credit Union for additional terms and conditions. | |
| 3 mos | 3.45% | 3.50% | 3.54% | 3.60% | 3.64% | 3.70% |
| 5 mos Special | 3.74% | 3.80% | 3.74% | 3.80% | 3.74% | 3.80% |
| 6 mos | 3.40% | 3.45% | 3.49% | 3.55% | 3.59% | 3.65% |
| 9 mos Special | 3.74% | 3.80% | 3.74% | 3.80% | 3.74% | 3.80% |
| 12 mos | 3.45% | 3.50% | 3.54% | 3.60% | 3.64% | 3.70% |
| 18 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 24 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 30 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 36 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 48 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
| 60 mos | 3.20% | 3.30% | 3.35% | 3.40% | 3.45% | 3.50% |
