Certificates of Deposit

Certificates of Deposit
  • Fixed interest rates for guaranteed returns
  • Terms range from 91 days to 60 months
  • No setup or maintenance fees
  • Interest paid monthly if compounded, paid to a Unico Bank checking or savings account, or paid via ACH to another financial institution
  • Interest paid quarterly if paid via check
  • Penalties apply for early withdrawal
  • Automatically renew at maturity, unless otherwise requested at account opening
  • Free Online Banking services
  • $1,000.00 minimum deposit to open
Rates
TERM RATE APY
91 DAY 0.05% 0.05%
6 MO 3.50% 3.56%
9 MO 3.45% 3.51%
12 MO 0.30% 0.30%
13 MO 3.35% 3.40%
15 MO 3.30% 3.35%
18 MO 0.55% 0.55%
24 MO 0.50% 0.50%
30 MO 0.50% 0.50%
36 MO 0.55% 0.55%
48 MO 0.60% 0.60%
60 MO 0.70% 0.70%

Rates effective as of 12/11/2025.

Interest will be paid monthly if payment is chosen to reinvest to certificate, deposit to a Unico Bank checking or savings account, or by ACH.

Interest will be paid quarterly if payment is to be received by check.

APY = Annual Percentage Yield
$1,000.00 minimum deposit to open.
Penalty for early withdrawal.  Fees may reduce earnings. 

Member FDIC

*11 Month CD Special Previously Offered Renews at 9 Month CD Rate/Term Upon Maturity
*21 Month CD Special Previously Offered Renews at 18 Month CD Rate/Term Upon Maturity