Texas

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Credit Union CD Rates – 6-Month – Texas

You are viewing rates from credit unions across Texas

 

Below are the best six month CD Rates from credit unions in Texas. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

TX - November 4, 2024

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?
Complex Community
Restrictions

6.00%

4.91%

$500

$0

-

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Rate History: 5.11% → 5.25%

Rate History: 5.75% → 5.45% → 5.35% → 5.25% → 5.05%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Texas People
Restrictions

4.65%

2.99%

$10,000

$1,000

-

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| 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

Texas Trust
Restrictions

4.49%

4.44%

$50,000

$500

-

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Rate History: 4.50% → 4.40%

Rate History: 4.44% → 4.39%

Rate History: 4.01% → 3.80% → 3.75% → 4.27%

| 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

Rate History: 4.00% → 4.25% → 4.26%

Rate History: 4.91% → 4.50% → 4.25%

Rate History: 3.85% → 4.00% → 4.35% → 4.25%

Rate History: 4.75% → 4.15%

| Dec 16, 2020

Nusenda Credit Union are unprofessional and a big waste of time. Read More

| Dec 19, 2019

Ali123 Read More

Rate History: 4.60% → 4.55% → 4.75% → 4.15% → 4.05%

Rate History: 2.50% → 4.00% → 4.16% → 4.00%

Rate History: 3.50% → 4.50% → 4.00%

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

Rate History: 3.75% → 4.00%

Rate History: 5.65% → 5.13% → 4.60% → 4.34% → 3.93%

Rate History: 5.12% → 4.89% → 4.41% → 3.92%

| May 12, 2016

19 what, years or months Read More

Rate History: 2.50% → 3.45% → 3.50%

Rate History: 3.55% → 3.40% → 3.30% → 3.40% → 3.30%

Rate History: 3.30% → 3.15%

Rate History: 4.07% → 3.04%

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and was wondering what the criteria for becoming a member and depositing a CD of around $150k to $200k. We are looking to move a large some... Read More

| 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

Rate History: 4.90% → 4.65% → 3.15% → 2.90%

| 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

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

Rate History: 2.17% → 2.27%

Rate History: 3.00% → 2.50% → 2.25% → 2.10% → 1.85%

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

1.00%

$1,000

-

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Bp
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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Texas Tech
Restrictions

0.90%

$10,000

-

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Westex
Restrictions

0.88%

$100,000

-

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0.85%

$10,000

-

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Union Square
Restrictions

0.85%

$1,000

-

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Chemcel
Restrictions

0.85%

$100,000

-

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Houston
Restrictions

0.82%

$100,000

-

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0.80%

$100,000

-

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0.80%

$90,000

-

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0.80%

$100,000

-

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0.80%

$100,000

-

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Doches
Restrictions

0.80%

$10,000

-

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0.75%

$1,000

-

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0.75%

$10,000

-

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Texoma Community
Restrictions

0.75%

$10,000

-

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0.75%

$10,000

-

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| 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

Chemcel
Restrictions

0.75%

$10,000

-

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0.75%

$100,000

-

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Sabine
Restrictions

0.75%

$10,000

-

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Walker County
Restrictions

0.75%

$10,000

-

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0.75%

$10,000

-

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Memorial
Restrictions

0.75%

$10,000

-

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Cal-com
Restrictions

0.75%

$100,000

-

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Kelly Community
Restrictions

0.70%

$10,000

-

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Houston
Restrictions

0.70%

$10,000

-

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0.70%

$100

-

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Education
Restrictions

0.70%

$10,000

-

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0.70%

$10,000

-

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Texasgulf
Restrictions

0.70%

$10,000

-

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Westex
Restrictions

0.68%

$10,000

-

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0.66%

$10,000

-

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0.65%

$100,000

-

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0.65%

$10,000

-

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Domino
Restrictions

0.65%

$10,000

-

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Synergy
Restrictions

0.65%

$100,000

-

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Baycel
Restrictions

0.65%

$10,000

-

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Lifetime
Restrictions

0.64%

$10,000

-

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Postel Family
Restrictions

0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$100,000

-

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Caprock
Restrictions

0.60%

$100,000

-

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0.60%

$10,000

-

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Texas Telcom
Restrictions

0.60%

$10,000

-

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Datcu
Restrictions

0.60%

$10,000

-

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Greater Texas
Restrictions

0.60%

$100,000

-

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Energy One
Restrictions

0.60%

$100,000

-

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Service 1st
Restrictions

0.60%

$10,000

-

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Texell
Restrictions

0.60%

$10,000

-

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Community Service
Restrictions

0.60%

$100,000

-

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0.60%

$100,000

-

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Cal-com
Restrictions

0.60%

$10,000

-

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Justice
Restrictions

0.55%

$100,000

-

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0.55%

$1,000

-

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Centex Citizens
Restrictions

0.55%

$10,000

-

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0.55%

$10,000

-

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Greater Texas
Restrictions

0.55%

$10,000

-

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Texar
Restrictions

0.55%

$1,000

-

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0.55%

$10,000

-

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United Heritage
Restrictions

0.55%

$10,000

-

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Firstmark
Restrictions

0.55%

$100,000

-

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0.55%

$10,000

-

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0.55%

$100,000

-

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Synergy
Restrictions

0.55%

$10,000

-

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| 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

0.55%

$10,000

-

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Spco
Restrictions

0.55%

$50,000

-

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Gulf Coast
Restrictions

0.55%

$500

-

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North East Texas
Restrictions

0.51%

$10,000

-

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Mtcu
Restrictions

0.51%

$100,000

-

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People's Trust
Restrictions

0.51%

$100,000

-

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Santa Fe
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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Members First
Restrictions

0.50%

$10,000

-

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Intouch
Restrictions

0.50%

$1,000

-

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Access Community
Restrictions

0.50%

$10,000

-

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Pantex
Restrictions

0.50%

$10,000

-

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The People's
Restrictions

0.50%

$10,000

-

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Neighborhood
Restrictions

0.50%

$2,500

-

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Energy One
Restrictions

0.50%

$10,000

-

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Together
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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Fort Worth City
Restrictions

0.50%

$100,000

-

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| Jun 9, 2016

I have been a member of 1st Community Federal Credit Union since 1977 and no matter where I am stationed or what state or country I'm in I know that I can call them for help. I started my savings account w... Read More

Dugood
Restrictions

0.50%

$1,000

-

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Great Plains
Restrictions

0.50%

$10,000

-

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Fivepoint
Restrictions

0.50%

$100,000

-

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Border
Restrictions

0.50%

$100,000

-

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Community Service
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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| Sep 21, 2017

friendly and knowledgeable and fun. what more could you ask for? Read More

Golden Triangle
Restrictions

0.50%

$10,000

-

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| 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

Texas Bay
Restrictions

0.50%

$100,000

-

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Beacon
Restrictions

0.50%

$10,000

-

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Primeway
Restrictions

0.50%

$10,000

-

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0.50%

$100,000

-

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| Aug 7, 2019

Friendly, professional, tellers who are always willing to help and explain things to us members. They work hard to find ways to give you a loan and at the best rates they can give out. I go my first car ... Read More

| Jan 8, 2020

Do y’all use the Chex system Read More

Windthorst
Restrictions

0.45%

$100,000

-

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Justice
Restrictions

0.45%

$10,000

-

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Wellspring
Restrictions

0.45%

$10,000

-

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0.45%

$100,000

-

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Relyon
Restrictions

0.45%

$10,000

-

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Firstlight
Restrictions

0.45%

$10,000

-

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Border
Restrictions

0.45%

$10,000

-

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Firstmark
Restrictions

0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$100,000

-

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People's Trust
Restrictions

0.45%

$10,000

-

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Mtcu
Restrictions

0.41%

$10,000

-

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Spco
Restrictions

0.41%

$1,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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Windthorst
Restrictions

0.40%

$10,000

-

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Xceed Financial
Restrictions

0.40%

$10,000

-

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Fort Worth City
Restrictions

0.40%

$10,000

-

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Concho Educators
Restrictions

0.40%

$100,000

-

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Altra
Restrictions

0.40%

$10,000

-

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Genco
Restrictions

0.40%

$10,000

-

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Mct
Restrictions

0.40%

$10,000

-

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Truwest
Restrictions

0.40%

$10,000

-

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| Sep 21, 2017

friendly and knowledgeable and fun. what more could you ask for? Read More

0.40%

$10,000

-

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Texas Health
Restrictions

0.40%

$10,000

-

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United Community
Restrictions

0.40%

$10,000

-

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F A A
Restrictions

0.38%

$50,000

-

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H E B
Restrictions

0.37%

$10,000

-

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F A A
Restrictions

0.35%

$500

-

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Caprock
Restrictions

0.35%

$10,000

-

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Secured Advantage
Restrictions

0.35%

$10,000

-

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Libertyone
Restrictions

0.35%

$100,000

-

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0.35%

$10,000

-

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Baptist
Restrictions

0.35%

$10,000

-

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Geico
Restrictions

0.35%

$10,000

-

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Members
Restrictions

0.35%

$10,000

-

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One Source
Restrictions

0.35%

$100,000

-

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White Sands
Restrictions

0.35%

$100,000

-

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Assemblies Of God
Restrictions

0.35%

$10,000

-

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Kerr County
Restrictions

0.35%

$10,000

-

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Smart Financial
Restrictions

0.35%

$100,000

-

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Capitol
Restrictions

0.35%

$10,000

-

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Truity
Restrictions

0.35%

$100,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.30%

$26

-

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0.30%

$10,000

-

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0.30%

$100,000

-

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0.30%

$10,000

-

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Unity One
Restrictions

0.30%

$10,000

-

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Trugrocer
Restrictions

0.30%

$100,000

-

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White Sands
Restrictions

0.30%

$10,000

-

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0.30%

$10,000

-

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First Basin
Restrictions

0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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| Jul 9, 2022

This is the worst credit union I have ever worked with. I have been a member of several other credit unions over the years and loved them. I moved to Abilene and opened an account with First Abilene FCU ... Read More

First Central
Restrictions

0.30%

$10,000

-

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Educators
Restrictions

0.30%

$10,000

-

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0.30%

$10,000

-

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Fivepoint
Restrictions

0.30%

$1,000

-

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Gulf
Restrictions

0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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Truity
Restrictions

0.30%

$10,000

-

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Laredo
Restrictions

0.30%

$10,000

-

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Abilene Teachers
Restrictions

0.26%

$100,000

-

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Mesquite
Restrictions

0.25%

$10,000

-

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Cosden
Restrictions

0.25%

$100,000

-

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0.25%

$100,000

-

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Libertyone
Restrictions

0.25%

$10,000

-

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Resource One
Restrictions

0.25%

$500

-

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0.25%

$10,000

-

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Trugrocer
Restrictions

0.25%

$10,000

-

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One Source
Restrictions

0.25%

$10,000

-

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0.25%

$100,000

-

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Citizens
Restrictions

0.25%

$100,000

-

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Concho Educators
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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| Jul 9, 2022

This is the worst credit union I have ever worked with. I have been a member of several other credit unions over the years and loved them. I moved to Abilene and opened an account with First Abilene FCU ... Read More

0.25%

$10,000

-

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Mobiloil
Restrictions

0.25%

$10,000

-

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Smart Financial
Restrictions

0.25%

$10,000

-

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River City
Restrictions

0.25%

$10,000

-

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Energy Capital
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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Valley
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$10,000

-

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Ep
Restrictions

0.20%

$10,000

-

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Cosden
Restrictions

0.20%

$10,000

-

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Heritage Usa
Restrictions

0.20%

$10,000

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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Texas Bay
Restrictions

0.20%

$10,000

-

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Hereford Texas
Restrictions

0.15%

$1,000

-

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4u
Restrictions

0.15%

$10,000

-

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America's
Restrictions

0.15%

$10,000

-

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West Texas
Restrictions

0.15%

$10,000

-

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0.15%

$10,000

-

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Cy-fair
Restrictions

0.15%

$100,000

-

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Allied
Restrictions

0.10%

$10,000

-

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0.10%

$10,000

-

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Texans
Restrictions

0.10%

$10,000

-

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Metro Medical
Restrictions

0.10%

$10,000

-

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Go
Restrictions

0.10%

$10,000

-

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My
Restrictions

0.10%

$10,000

-

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Citizens
Restrictions

0.10%

$10,000

-

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Education First
Restrictions

0.10%

$10,000

-

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Cy-fair
Restrictions

0.10%

$10,000

-

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0.10%

$10,000

-

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Abilene Teachers
Restrictions

0.06%

$10,000

-

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Edu
Restrictions

0.01%

$500

-

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

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.

SAVINGS & CD CALCULATOR

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