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  United Nations Federal Credit Union 30-Month Flex Rate Certificate

United Nations Federal Credit Union 30-Month Flex Rate Certificate

in CD Accounts from United Nations FCU · ncua

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United Nations Federal Credit Union 30-Month Flex Rate Certificate

Unaffiliated

in CD Accounts from United Nations FCU · Insured by NCUA

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Highlights
Minimum Opening Deposit Starting at $500
Certificate Term 30 months
APY (Annual Percentage Yield) 0.4%

United Nations Federal Credit Union 30-Month Flex Rate Certificate Review

United Nations Federal Credit Union 30-Month Flex Rate Certificate is offered by United Nations FCU, a credit union founded in 1947 and based in Long Island City, NY. United Nations Federal Credit Union 30-Month Flex Rate Certificate is available in 50 states (and Washington, DC).

Key Takeaways
  • Small selection of CD account types. United Nations Federal Credit Union 30-Month Flex Rate Certificate only offers traditional and bump up CDs.
  • Very high APY. This account offers an annual percentage yield of up to 0.4%, which is much higher than the national average for a certificate account.
  • $500 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Limited selection of CD terms. United Nations Federal Credit Union 30-Month Flex Rate Certificate only offers one CD terms. This limits your options when trying to set up a certificate ladder.
Pros & Cons of United Nations Federal Credit Union 30-Month Flex Rate Certificate
Pros Cons
  • Insured by NCUA.
  • Available in all 50 states.
  • High-dividend yield
  • No charge on incoming domestic or international wire transfers.
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.
United Nations Federal Credit Union 30-Month Flex Rate Certificate FAQ

Are cd accounts from United Nations FCU federally insured?

Yes, your United Nations FCU cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does United Nations FCU offer?

United Nations Federal Credit Union 30-Month Flex Rate Certificate provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.
  • Bump-up CDs. Bump-up CDs allow you to increase the interest rate you earn on your savings if the going interest rates rise. These CDs are useful in a changing interest rate environment.

What CD rates does United Nations FCU offer on its CDs?

The CD rates for this account have an APY of0.4% (APY stands for annual percentage yield, rates may change).

What terms does United Nations Federal Credit Union 30-Month Flex Rate Certificate offer?

United Nations FCU offers CD terms of the following lengths:
United Nations Federal Credit Union 30-Month Flex Rate Certificate Rates & Terms
Description
APY (Annual Percentage Yield) 0.4%

What is the minimum deposit to open a CD account with United Nations FCU?

United Nations Federal Credit Union 30-Month Flex Rate Certificate requires a minimum deposit of $500 to open an account.

What is the grace period for United Nations Federal Credit Union 30-Month Flex Rate Certificate?

There is a 10-day grace period for United Nations Federal Credit Union 30-Month Flex Rate Certificate. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does United Nations Federal Credit Union 30-Month Flex Rate Certificate charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

United Nations FCU does not charge an early withdrawal fee.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 3:00pm
  • Tuesday 9:00am - 3:00pm
  • Wednesday 9:00am - 3:00pm
  • Thursday 9:00am - 3:00pm
  • Friday 9:00am - 3:00pm
  • Saturday Closed

Other Services by United Nations FCU

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View all cd accounts offered by United Nations FCU

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $500
APY (Annual Percentage Yield) 0.4%
CD Accounts
  • Traditional
  • Bump Up
Grace Period for Account Changes 10 days
Certificate Term 30 months

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