bank rates

United FCU Touting 55-Month CD Deal

Savers across seven states can score a top-paying CD from United Federal Credit Union.

Based in St. Joseph, Michigan, United is paying 2.20% APY on 55-month certificates of deposit, with a $500 minimum deposit.

This slots nicely between the top nationally available 4- and 5-year yields from the banks on our CD Rates Leaderboard, which currently stand at 2.00% and 2.45% APY.

Those willing to also open a checking account at United can do even better, boosting the 55-month rate to 2.35% APY.

You can search Bankrate’s extensive database of the best CD rates from banks and credit unions across the country, but we suspect you’ll have a hard time beating this return.

Membership in United is open to those who live or work near one of its 26 branches in Michigan, Ohio, Indiana, North Carolina, Arkansas and Nevada, or who are employed by or retired from over 900 affiliated employers.

In addition, anyone who lives in Oklahoma or in the above states but not close to a branch can gain eligibility by joining the American Consumer Council, at no cost.

Joining United and buying its CDs can be done online, by phone or at one of its branches.

Its early-withdrawal penalty is a pretty typical six months’ interest.

For over a hundred additional deals like this one, visit our constantly updated roundup of the country’s top-paying CDs from credit unions and community banks.

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