Is CU or SCHD a better dividend investment in 2026?

CU currently yields 20.81% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: CU offers higher current income.

What is the dividend yield difference between CU and SCHD?

CU has a forward dividend yield of 20.81% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 17.35 percentage points.

Home › Compare › CU vs SCHD

CU vs SCHD: Dividend Comparison 2026

CU yields 20.81% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CU wins by $47.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

● Live price

20.81%

Share price

$9.61

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$76.7K

Annual income

$7,341.96

Full CU calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — CU vs SCHD

📍 CU pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CU	SCHD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

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Dividend Calendar Overlap

Combined, CU + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CU pays

SCHD pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

Annual income on $10K today (after 15% tax)

$1,768.99/yr

After 10yr DRIP, annual income (after tax)

$6,240.67/yr

SCHD

Annual income on $10K today (after 15% tax)

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, CU beats the other by $5,878.61/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of CU + SCHD for your $10,000?

CU: 50%SCHD: 50%

100% SCHD50/50100% CU

Portfolio after 10yr

$52.9K

Annual income

$3,883.95/yr

Blended yield

7.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CU buys

SCHD buys

Politician	Chamber	Ticker	Type	Amount	Date
Virginia Foxx	🏢 House	$SCHD	▼ Sell	$50,001 - $100,000	2023-03-08
Steve Cohen	🏢 House	$SCHD	▲ Buy	$50,001 - $100,000	2022-07-29
Hakeem S. Jeffries	🏢 House	$SCHD	▲ Buy	$15,001 - $50,000	2021-04-12
Mikie Sherrill	🏢 House	$SCHD	▲ Buy	$100,001 - $250,000	2020-02-21

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCUSCHD

Forward yield	20.81% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$76.7K ✓	$29.0K
Annual income after 10y	$7,341.96 ✓	$425.95
Total dividends collected	$44.5K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CU vs SCHD ($10,000, DRIP)

Year	CU Portfolio	CU Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$12,781	$2,081.17	$11,226	$346.36	+$1.6K → CU
2	$16,162	$2,485.96	$12,572	$357.38	+$3.6K → CU
3	$20,231	$2,937.84	$14,046	$367.84	+$6.2K → CU
4	$25,084	$3,436.94	$15,660	$377.73	+$9.4K → CU
5	$30,823	$3,982.63	$17,425	$387.07	+$13.4K → CU
6	$37,554	$4,573.59	$19,354	$395.86	+$18.2K → CU
7	$45,390	$5,207.84	$21,461	$404.13	+$23.9K → CU
8	$54,450	$5,882.80	$23,762	$411.89	+$30.7K → CU
9	$64,857	$6,595.35	$26,272	$419.15	+$38.6K → CU
10	$76,739	$7,341.96	$29,010	$425.95	+$47.7K → CU

CU vs SCHD: Complete Analysis 2026

CU — Stock

CU is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in CU shares.

Full CU Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.