Find the latest University Federal Credit Union CD Rates, Offers, and Promotions here.

Best CD Rates: 5.00% APY 12-Month CD, $1k minimum deposit.

Availability: Nationwide. Easy membership requirement through joining the ACC.

Credit Inquiry: Soft Pull

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About University Federal Credit Union

The University Federal Credit Union was established in 1936 and has since grown to serve Central Texas and Galveston County.

University Federal Credit Union offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you. You can fund your account via ACH, wire, or Shared Branch transaction.

Headquartered in Austin, Texas, you can join University Federal Credit Union for almost any U.S. citizen or resident alien who has a valid Social Security number and a U.S. address. You can simply join American Consumer Council qualifies for UFCU membership described in UFCU’s “Become A Member” page.

Other ways of joining include:

School Relationship: Students, alumni, and employees of more than 25 colleges/universities (including Texas State University and the University of Texas at Austin) qualify for membership.
Employment/Affiliation: Employees and members of nearly 180 companies and more than 30 companies are also eligible to join.
Family Relationship: Immediate family members of current UFCU members are welcome to apply.

Joining UFCU and/or opening a 48-month Fixed CD* can be done online or at any of 22 Texas branches located in Austin (14), Cedar Park, Galveston, Kyle, League City, Pflugerville, Round Rock (2), and San Marcos.

Standard CD Rates

Term	APY Rate	Minimum Deposit
3-Month	3.00%	$1,000
6-Month	4.50%	$1,000
12-Month	5.00%	$1,000
18-Month	4.00%	$1,000
24-Month	3.50%	$1,000
24-Month Step-Up	3.35%	$1,000
36-Month	3.25%	$1,000
48-Month	3.50%	$1,000
60-Month	3.25%	$1,000

*Rates Effective As Of 09/20/2023.

University Federal Credit Union CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make. The interest is compounded and credited monthly.

With as little as $1,000, you can invest in a University Federal Credit Union CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.

Minimum deposit: $1,000
Maximum deposit: None
Early withdrawal penalty: 90 days interest on the amount withdrawn

CD Rates at University Federal Credit Union

(NCUA Insured)

Editor’s Note: Your only option for funding when opening a new membership is a debit card transaction. Open up a membership first, then fund your account with a debit card.

Compare the best CD rates:
Alliant Credit Union 12-Month Certificate (4.05% APY)	Quontic Bank CD (Up to 4.25% APY)
Western Alliance Bank 3-Month CD (4.50% APY)	Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.25% APY)	Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Sun Canyon Bank 11-Month CD (3.98% APY)	Ponce Bank 4-Month No-Penalty CD (4.15% APY)

University Federal Credit Union CD Features

Low minimum balance requirement
Unlimited number of beneficiaries
Competitive rates on all CD terms
Free online and mobile banking
Insured by the FDIC up to the maximum allowed by law

Bottom Line

With a unique selection of CD lengths to choose from, you can be sure to find an account that best fits all your banking needs. Take advantage of a low required minimum balance of just $1,000. Your maturing funds will be transferred to a Savings account, then you can withdraw via ACH, wire, cashier’s check. They will give you 7 calendar days grace period before automatic renewal.

This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

*While University Federal Credit Union does have competitive rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here

This is a great opportunity to invest in a high-interest CD from University Federal Credit Union. However, you may want to compare them with our best CD Rates:

You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest University Federal Credit Union CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.