Certificates of Deposit

These Rate Specials Won’t Last Long!

When you open a CD at First United CU, you can earn above market rates and feel secure with NCUA insurance, getting the best of both worlds. CDs are also federally insured up to $250,000 per account, plus an additional $250,000 for IRA deposits. Are you 55 and older? Our IRA CD rates include specials along with our already above market rates.

Terms are also flexible, ranging from 6 to 60 months, with opening deposits as low as $500.

And you always earn more when you have a Checking Account with us. See how much you can earn:


Ask for our CD Bonus Rates with your Checking Account – you’ll rest easy knowing you’re earning the most for your money! ADD .25%* to any CD Rate by having an active checking account.

CD Layering:

A CD ladder is a strategy in which an investor divides the amount of money to be invested into equal amounts in certificates of deposit (CDs) with different maturity dates. This strategy decreases both interest rate and re-investment risks.

Don’t want to lock up your money? We have GREAT money market rates too!

Click here for today’s rates

*APY = Annual Percentage Yield. Rates effective May 1, 2023, and subject to change. This offer is available for a limited time and can change or end at any time. Rates reflect a .25% bonus rate incentive. To receive the .25% bonus rate, the member must have an active Checking Account which includes a minimum of $250 ACH Direct Deposit monthly, an active Debit Card, and Online Banking with eStatements/eNotices. Interest is compounded and credited monthly. Penalties for early withdrawal, which will impact earnings. Minimum investment is $500; maximum investment is $250,000. Contact First United CU for rates on deposits above $250,000. Cannot be combined with any other offers. Rates are not available to businesses. Other restrictions may apply; CD levels will be capped and the special terminated when certain deposit levels are reached. See First United Credit Union for details.