Best Credit Union 18 Month CD Rates in Texas, TX

You are viewing rates from credit unions across Texas

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Texas. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

TX - November 4, 2024

18 Month CD National Average : 0.58% ^?

Credit Unions	APY	MIN	MILES ^?
Credit Human Restrictions	5.25%	$500	-	Learn More
Rate History: 5.10% → 5.00% → 5.00% → 5.30% → 5.25%
Anavile23 \| Jul 10, 2019 Does credit human use ChexSystems Read More Reviews (1)
Eecu Restrictions	5.11% 5.00% 4.85%	$50,000 $1,000 $5,000	-	Learn More Add Review
Rate History: 4.95% → 5.11%
Investex Restrictions	4.91% 4.33%	$50,000 $1,000	-	Learn More Add Review
Rate History: 4.49% → 5.01% → 4.69% → 4.59% → 4.91%
Advancial Restrictions	4.80% 4.70% 4.59%	$50,000 $25,000 $1,000	-	Learn More Add Review
Rate History: 4.81% → 4.80%
Star Of Texas Restrictions	4.75% 4.60%	$100,000 $1,000	-	Learn More
Max Bartlett \| Sep 8, 2022 Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More Reviews (1)
Texas People Restrictions	4.63% 4.13%	$50,000 $1,000	-	Learn More Add Review
Randolph-brooks Restrictions	4.60%	$1,000	-	Learn More Add Review
Rate History: 4.60% → 4.85% → 4.87% → 4.60%
Velocity Restrictions	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.16% → 4.50% → 4.35% → 4.45% → 4.30%
Credit Union Of Texas Restrictions	4.25%	$1,000	-	Learn More Add Review
Rate History: 4.75% → 4.60% → 4.40% → 4.30% → 4.25%
Navy Federal Credit Union Restrictions	4.15% 4.10%	$100,000 $1,000	-	Learn More
Rate History: 4.45% → 4.15%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Austin Telco Restrictions	4.11% 4.01% 3.91%	$225,000 $95,000 $1,000	-	Learn More
Rate History: 4.52% → 4.42% → 4.32% → 4.52% → 4.11%
unsatisfied customer \| Jan 21, 2021 Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More Reviews (1)
Gecu	4.06%	$1,000	-	Learn More Add Review
Rate History: 3.86% → 4.06%
Shell Restrictions	4.00% 3.65%	$500 $50,000	-	Learn More
Rate History: 4.25% → 4.00% → 4.25% → 4.00%
Jamaal D. Robinson \| Aug 17, 2016 Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More Reviews (1)
Pentagon Restrictions	4.00%	$1,000	-	Learn More
Rate History: 5.35% → 5.00% → 4.30% → 4.00%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Bayer Heritage Restrictions	3.98% 3.93%	$100,000 $100	-	Learn More Add Review
Rate History: 4.76% → 4.50% → 3.98%
Neches Restrictions	3.85% 3.75%	$100,000 $1,000	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 3.85%
Air Force Restrictions	3.80%	$1,000	-	Learn More Add Review
Rate History: 4.60% → 4.55% → 5.05% → 4.25% → 3.80%
A+ Restrictions	3.76%	$1,000	-	Learn More
Rate History: 4.39% → 3.76%
Ali123 \| Dec 19, 2019 Ali123 Read More Reviews (1)
Premier America Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.75%
Nusenda Restrictions	3.75%	$1,000	-	Learn More
Rate History: 4.15% → 3.75%
Jessica \| Dec 16, 2020 Nusenda Credit Union are unprofessional and a big waste of time. Read More Reviews (3)
Eastman Restrictions	3.70% 3.65%	$100,000 $1,000	-	Learn More Add Review
Texas Dow Employees Restrictions	3.65% 3.50%	$100,000 $1,000	-	Learn More
Rate History: 4.65% → 4.15% → 3.65%
tonaroof \| Jan 24, 2020 This rate is not accurate as it is 2.25% Read More Reviews (1)
Wellby Restrictions	3.56%	$1,000	-	Learn More
LD \| Nov 24, 2020 Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More Reviews (1)
Farmers Insurance Group Restrictions	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.15% → 3.75% → 3.50%
Gecu Restrictions	3.25%	$1,000	-	Learn More
Csj \| Jun 14, 2019 This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to... Read More Reviews (1)
First Community Restrictions	2.85% 2.80%	$100,000 $500	-	Learn More Add Review
Rate History: 3.70% → 3.50% → 3.00% → 2.90% → 2.85%
Security First Restrictions	2.69% 2.58% 2.48% 2.43% 1.31%	$100,000 $50,000 $25,000 $1,000 $500	-	Learn More Add Review
Rate History: 2.79% → 2.69%
Members Choice Restrictions	2.00%	$500	-	Learn More Add Review
Rate History: 2.73% → 2.75% → 2.00%
Chartway Restrictions	1.75%	$500	-	Learn More Add Review
Evolve Restrictions	1.71%	$500	-	Learn More Add Review
1st University	1.25%	$10,000	-	Learn More Add Review
Houston Texas Fire Fighters Restrictions	1.21%	$100,000	-	Learn More Add Review
Doches Restrictions	1.20%	$10,000	-	Learn More Add Review
Firstlight Restrictions	1.15%	$100,000	-	Learn More Add Review
Gulf Coast Restrictions	1.15%	$500	-	Learn More Add Review
Texas Tech Restrictions	1.11%	$10,000	-	Learn More Add Review
White Sands Restrictions	1.11%	$100,000	-	Learn More Add Review
Assemblies Of God Restrictions	1.11%	$10,000	-	Learn More Add Review
Sabine Restrictions	1.10%	$10,000	-	Learn More Add Review
Houston Restrictions	1.07%	$100,000	-	Learn More Add Review
Houston Texas Fire Fighters Restrictions	1.06%	$10,000	-	Learn More Add Review
Kelly Community Restrictions	1.06%	$10,000	-	Learn More Add Review
Firstlight Restrictions	1.05%	$10,000	-	Learn More Add Review
Walker County Restrictions	1.05%	$10,000	-	Learn More Add Review
Westex Restrictions	1.04%	$100,000	-	Learn More Add Review
Union Square Restrictions	1.01%	$1,000	-	Learn More Add Review
Greater Texas Restrictions	1.01%	$100,000	-	Learn More Add Review
Wichita Falls Teachers Restrictions	1.00%	$1,000	-	Learn More Add Review
Texar Restrictions	1.00%	$1,000	-	Learn More Add Review
White Sands Restrictions	1.00%	$10,000	-	Learn More Add Review
Community Resource Restrictions	0.95%	$100	-	Learn More Add Review
Border Restrictions	0.95%	$100,000	-	Learn More Add Review
Houston Restrictions	0.95%	$10,000	-	Learn More Add Review
Linkage	0.90%	$10,000	-	Learn More Add Review
Gulf Coast Educators Restrictions	0.90%	$100,000	-	Learn More Add Review
Greater Texas Restrictions	0.90%	$10,000	-	Learn More Add Review
Southwest Airlines Restrictions	0.90%	$100,000	-	Learn More Add Review
Rocket	0.90%	$100,000	-	Learn More Add Review
Border Restrictions	0.90%	$10,000	-	Learn More Add Review
Texell Restrictions	0.90%	$10,000	-	Learn More Add Review
Generations Community Restrictions	0.90%	$100,000	-	Learn More
Hunter1953 \| Sep 26, 2022 Rec'd called from Monica from Collection and wanted to collect on my Mortgage payment and to make a long story short come to find out payment was taken out on September 23, 2022. She was rude and all she ... Read More Reviews (1)
Primeway Restrictions	0.90%	$10,000	-	Learn More Add Review
Cal-com Restrictions	0.90%	$100,000	-	Learn More Add Review
Community Service Restrictions	0.86%	$10,000	-	Learn More Add Review
Living In Fulfillment Everyday Restrictions	0.85%	$26	-	Learn More Add Review
Pantex Restrictions	0.85%	$10,000	-	Learn More Add Review
Alliance	0.85%	$10,000	-	Learn More Add Review
Energy One Restrictions	0.85%	$100,000	-	Learn More Add Review
Tarrant County's Credit Union Restrictions	0.85%	$100,000	-	Learn More Add Review
Members Choice Of Central Texas Restrictions	0.85%	$10,000	-	Learn More Add Review
East Texas Professional Restrictions	0.85%	$1,000	-	Learn More Add Review
First Service Restrictions	0.85%	$100,000	-	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
Riverland Restrictions	0.85%	$10,000	-	Learn More Add Review
Southwest Research Center Restrictions	0.85%	$100,000	-	Learn More Add Review
Generations Community Restrictions	0.85%	$10,000	-	Learn More
Hunter1953 \| Sep 26, 2022 Rec'd called from Monica from Collection and wanted to collect on my Mortgage payment and to make a long story short come to find out payment was taken out on September 23, 2022. She was rude and all she ... Read More Reviews (1)
First Class American Restrictions	0.80%	$100,000	-	Learn More Add Review
Caprock Restrictions	0.80%	$100,000	-	Learn More Add Review
Amarillo Community Restrictions	0.80%	$10,000	-	Learn More Add Review
Education Restrictions	0.80%	$10,000	-	Learn More Add Review
Southwest Airlines Restrictions	0.80%	$10,000	-	Learn More Add Review
Together Restrictions	0.80%	$10,000	-	Learn More Add Review
Tarrant County's Credit Union Restrictions	0.80%	$10,000	-	Learn More Add Review
Service 1st Restrictions	0.80%	$10,000	-	Learn More Add Review
United Heritage Restrictions	0.80%	$10,000	-	Learn More Add Review
Dugood Restrictions	0.80%	$1,000	-	Learn More Add Review
Firstmark Restrictions	0.80%	$100,000	-	Learn More Add Review
Associated Credit Union Of Texas Restrictions	0.80%	$100,000	-	Learn More Add Review
Southwest Research Center Restrictions	0.80%	$10,000	-	Learn More Add Review
Texasgulf Restrictions	0.80%	$10,000	-	Learn More Add Review
Santa Fe Restrictions	0.75%	$10,000	-	Learn More Add Review
Postel Family Restrictions	0.75%	$10,000	-	Learn More Add Review
First Class American Restrictions	0.75%	$10,000	-	Learn More Add Review
San Angelo	0.75%	$10,000	-	Learn More Add Review
Energy One Restrictions	0.75%	$10,000	-	Learn More Add Review
First Service Restrictions	0.75%	$10,000	-	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
Cal-com Restrictions	0.75%	$10,000	-	Learn More Add Review
North East Texas Restrictions	0.71%	$10,000	-	Learn More Add Review
Neighborhood Restrictions	0.70%	$2,500	-	Learn More Add Review
Relyon Restrictions	0.70%	$10,000	-	Learn More Add Review
Firstmark Restrictions	0.70%	$10,000	-	Learn More Add Review
Associated Credit Union Of Texas Restrictions	0.70%	$10,000	-	Learn More Add Review
Alamo City Restrictions	0.70%	$5,000	-	Learn More Add Review
People's Trust Restrictions	0.66%	$100,000	-	Learn More Add Review
Justice Restrictions	0.65%	$100,000	-	Learn More Add Review
Intouch Restrictions	0.65%	$1,000	-	Learn More Add Review
Gulf Restrictions	0.65%	$10,000	-	Learn More Add Review
Texas Bay Restrictions	0.65%	$100,000	-	Learn More Add Review
Wellspring Restrictions	0.62%	$10,000	-	Learn More Add Review
Tex Mex	0.60%	$10,000	-	Learn More Add Review
Access Community Restrictions	0.60%	$10,000	-	Learn More Add Review
Rocket	0.60%	$10,000	-	Learn More Add Review
Xceed Financial Restrictions	0.60%	$10,000	-	Learn More Add Review
Unity One Restrictions	0.60%	$10,000	-	Learn More Add Review
People's Trust Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Restrictions	0.60%	$100,000	-	Learn More Add Review
Valley Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Restrictions	0.56%	$1,000	-	Learn More Add Review
Justice Restrictions	0.55%	$10,000	-	Learn More Add Review
Caprock Restrictions	0.55%	$10,000	-	Learn More Add Review
Centex Citizens Restrictions	0.55%	$10,000	-	Learn More Add Review
America's Restrictions	0.55%	$100,000	-	Learn More Add Review
Members Restrictions	0.55%	$10,000	-	Learn More Add Review
One Source Restrictions	0.55%	$100,000	-	Learn More Add Review
Mid-tex	0.55%	$10,000	-	Learn More Add Review
United Community Restrictions	0.55%	$10,000	-	Learn More Add Review
Altra Restrictions	0.50%	$10,000	-	Learn More Add Review
Cooperative Teachers Restrictions	0.50%	$10,000	-	Learn More Add Review
Laredo Restrictions	0.50%	$10,000	-	Learn More Add Review
F A A Restrictions	0.48%	$50,000	-	Learn More Add Review
F A A Restrictions	0.45%	$500	-	Learn More Add Review
Mesquite Restrictions	0.45%	$10,000	-	Learn More Add Review
One Source Restrictions	0.45%	$10,000	-	Learn More Add Review
Communities Of Abilene Restrictions	0.40%	$10,000	-	Learn More Add Review
Secured Advantage Restrictions	0.40%	$10,000	-	Learn More Add Review
Abilene Teachers Restrictions	0.40%	$100,000	-	Learn More Add Review
Mobiloil Restrictions	0.40%	$10,000	-	Learn More Add Review
4u Restrictions	0.35%	$10,000	-	Learn More Add Review
America's Restrictions	0.35%	$10,000	-	Learn More Add Review
Texas Bay Restrictions	0.35%	$10,000	-	Learn More Add Review
Go Restrictions	0.30%	$10,000	-	Learn More Add Review
Gulf Coast Educators Restrictions	0.30%	$10,000	-	Learn More Add Review
Truity Restrictions	0.30%	$10,000	-	Learn More Add Review
Hereford Texas Restrictions	0.25%	$1,000	-	Learn More Add Review
Texans Restrictions	0.25%	$10,000	-	Learn More Add Review
My Restrictions	0.25%	$10,000	-	Learn More Add Review
Abilene Teachers Restrictions	0.20%	$10,000	-	Learn More Add Review
Chocolate Bayou Community Restrictions	0.20%	$10,000	-	Learn More Add Review
Texas Restrictions	0.05%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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Credit Union CD Rates – 18-Month – Texas

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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