Texas

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Credit Union CD Rates Texas

You are viewing rates from credit unions across Texas

 

Below are the best one year CD Rates from credit unions in Texas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

TX - November 4, 2024

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.13% → 5.25%

| 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

Rate History: 5.05% → 5.20%

Rate History: 4.13% → 5.17%

Texas People
Restrictions

5.00%

3.99%

$10,000

$1,000

-

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| Dec 19, 2019

Ali123 Read More

Rate History: 5.80% → 5.50% → 5.40% → 5.05% → 5.00%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Rate History: 6.00% → 5.15% → 4.75% → 5.25% → 5.00%

Rate History: 4.85% → 5.10% → 4.95%

Rate History: 4.85% → 5.00% → 5.15% → 4.95%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

Texas Trust
Restrictions

4.70%

4.65%

$50,000

$500

-

Learn More

Rate History: 4.64% → 4.63%

Rate History: 4.70% → 4.80% → 4.70% → 4.65% → 4.60%

Rate History: 4.60% → 4.85% → 4.87% → 4.60%

| Jun 12, 2017

five star......great location...fast service Read More

| Sep 8, 2022

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

Rate History: 5.00% → 4.85% → 4.65% → 4.55% → 4.45%

Rate History: 4.41% → 4.16% → 4.89% → 4.41%

Rate History: 6.00% → 5.00% → 4.60% → 4.50% → 4.40%

Rate History: 5.05% → 5.10% → 4.85% → 4.75% → 4.35%

| 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

Rate History: 4.07% → 4.60% → 4.50% → 4.65% → 4.35%

Rate History: 3.04% → 4.33%

| 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

Rate History: 3.50% → 4.25%

Rate History: 4.50% → 4.25% → 4.50% → 4.25%

| 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

Rate History: 4.68% → 4.52% → 4.42% → 4.84% → 4.22%

| 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

Lone Star
Restrictions

4.20%

$500

-

Learn More

Rate History: 5.81% → 5.55% → 5.02% → 4.76% → 4.08%

Rate History: 4.55% → 4.45% → 4.05%

Rate History: 4.00% → 5.00% → 4.00%

Rate History: 5.00% → 4.50% → 4.00% → 4.50% → 4.00%

| Jan 1, 2022

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

Rate History: 4.75% → 4.70% → 4.85% → 4.60% → 4.00%

Rate History: 5.25% → 4.50% → 4.00%

| 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: 5.40% → 5.15% → 4.65% → 3.90%

| Jan 24, 2020

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

Rate History: 4.50% → 3.90%

| Dec 16, 2020

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

Rate History: 3.50% → 4.00% → 3.70%

Rate History: 3.51% → 3.56%

3.30%

$1,000

-

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Rate History: 3.20% → 3.56% → 3.29%

| 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

Rate History: 3.35% → 3.25% → 3.15% → 3.10% → 3.05%

| 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

| May 12, 2016

19 what, years or months Read More

Rate History: 2.69% → 1.51%

Chemcel
Restrictions

1.20%

$100,000

-

Learn More

| 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

1.15%

$100,000

-

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Bp
Restrictions

1.11%

$10,000

-

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Memorial
Restrictions

1.11%

$10,000

-

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Spco
Restrictions

1.11%

$50,000

-

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Chemcel
Restrictions

1.10%

$10,000

-

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1.05%

$10,000

-

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Firstlight
Restrictions

1.05%

$100,000

-

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Texas Tech
Restrictions

1.01%

$10,000

-

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Domino
Restrictions

1.01%

$10,000

-

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Kelly Community
Restrictions

1.01%

$10,000

-

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1.00%

$90,000

-

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1.00%

$100,000

-

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White Sands
Restrictions

1.00%

$100,000

-

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Assemblies Of God
Restrictions

1.00%

$10,000

-

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Sabine
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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Gulf Coast
Restrictions

1.00%

$500

-

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1.00%

$10,000

-

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Westex
Restrictions

0.98%

$100,000

-

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Houston
Restrictions

0.97%

$100,000

-

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Union Square
Restrictions

0.95%

$1,000

-

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0.95%

$10,000

-

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Baptist
Restrictions

0.95%

$10,000

-

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Firstlight
Restrictions

0.95%

$10,000

-

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Doches
Restrictions

0.95%

$10,000

-

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0.95%

$100,000

-

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Walker County
Restrictions

0.95%

$10,000

-

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Synergy
Restrictions

0.95%

$100,000

-

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0.90%

$1,000

-

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0.90%

$100

-

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Greater Texas
Restrictions

0.90%

$100,000

-

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0.90%

$100,000

-

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0.90%

$10,000

-

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Service 1st
Restrictions

0.90%

$10,000

-

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Texar
Restrictions

0.90%

$1,000

-

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White Sands
Restrictions

0.90%

$10,000

-

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Baycel
Restrictions

0.90%

$10,000

-

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Lifetime
Restrictions

0.86%

$10,000

-

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Texoma Community
Restrictions

0.85%

$10,000

-

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0.85%

$26

-

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0.85%

$100,000

-

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0.85%

$10,000

-

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0.85%

$10,000

-

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Greater Texas
Restrictions

0.85%

$10,000

-

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Texell
Restrictions

0.85%

$10,000

-

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Synergy
Restrictions

0.85%

$10,000

-

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Beacon
Restrictions

0.85%

$100,000

-

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Houston
Restrictions

0.85%

$10,000

-

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Spco
Restrictions

0.85%

$1,000

-

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Cal-com
Restrictions

0.85%

$100,000

-

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0.85%

$10,000

-

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| May 20, 2022

Avoid this bank! After almost 20 years as a customer with multiple auto and other loans paid on time, Car Max gave us a better rate which shows they could care less about loyalty. Debit cards constantly ha... Read More

Texas Telcom
Restrictions

0.80%

$10,000

-

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Datcu
Restrictions

0.80%

$10,000

-

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0.80%

$100,000

-

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Pantex
Restrictions

0.80%

$10,000

-

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Education
Restrictions

0.80%

$10,000

-

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Energy One
Restrictions

0.80%

$100,000

-

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0.80%

$10,000

-

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Fort Worth City
Restrictions

0.80%

$100,000

-

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0.80%

$10,000

-

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0.80%

$1,000

-

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Border
Restrictions

0.80%

$100,000

-

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0.80%

$10,000

-

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0.80%

$100,000

-

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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

Primeway
Restrictions

0.80%

$10,000

-

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Community Service
Restrictions

0.79%

$100,000

-

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Westex
Restrictions

0.78%

$10,000

-

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0.75%

$100,000

-

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0.75%

$1,000

-

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Texasgulf
Restrictions

0.75%

$10,000

-

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Lufkin
Restrictions

0.75%

$10,000

-

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0.75%

$10,000

-

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The People's
Restrictions

0.75%

$10,000

-

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0.75%

$10,000

-

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Together
Restrictions

0.75%

$10,000

-

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0.75%

$100,000

-

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0.75%

$100,000

-

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United Heritage
Restrictions

0.75%

$10,000

-

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Great Plains
Restrictions

0.75%

$25,000

-

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Firstmark
Restrictions

0.75%

$100,000

-

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| Sep 21, 2017

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

Golden Triangle
Restrictions

0.75%

$10,000

-

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0.75%

$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

0.75%

$10,000

-

Learn More
Beacon
Restrictions

0.75%

$10,000

-

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0.75%

$100,000

-

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0.75%

$10,000

-

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Mtcu
Restrictions

0.73%

$100,000

-

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Riverland
Restrictions

0.72%

$10,000

-

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Educators
Restrictions

0.71%

$10,000

-

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Postel Family
Restrictions

0.70%

$10,000

-

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Santa Fe
Restrictions

0.70%

$10,000

-

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Caprock
Restrictions

0.70%

$100,000

-

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0.70%

$10,000

-

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Genco
Restrictions

0.70%

$10,000

-

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First Central
Restrictions

0.70%

$10,000

-

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Neighborhood
Restrictions

0.70%

$2,500

-

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Energy One
Restrictions

0.70%

$10,000

-

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0.70%

$10,000

-

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Fort Worth City
Restrictions

0.70%

$10,000

-

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Dugood
Restrictions

0.70%

$1,000

-

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0.70%

$100,000

-

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Capitol
Restrictions

0.70%

$10,000

-

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Amoco
Restrictions

0.70%

$10,000

-

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Cal-com
Restrictions

0.70%

$10,000

-

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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

Community Service
Restrictions

0.69%

$10,000

-

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People's Trust
Restrictions

0.66%

$100,000

-

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0.65%

$100,000

-

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0.65%

$10,000

-

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0.65%

$100,000

-

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Geico
Restrictions

0.65%

$10,000

-

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0.65%

$100,000

-

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0.65%

$10,000

-

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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

Mct
Restrictions

0.65%

$10,000

-

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Great Plains
Restrictions

0.65%

$10,000

-

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Fivepoint
Restrictions

0.65%

$99,000

-

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Border
Restrictions

0.65%

$10,000

-

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Firstmark
Restrictions

0.65%

$10,000

-

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| Sep 21, 2017

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

Alamo City
Restrictions

0.65%

$1,000

-

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Texas Health
Restrictions

0.65%

$10,000

-

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0.65%

$10,000

-

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Mtcu
Restrictions

0.63%

$10,000

-

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North East Texas
Restrictions

0.61%

$10,000

-

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Windthorst
Restrictions

0.60%

$100,000

-

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Justice
Restrictions

0.60%

$100,000

-

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Wellspring
Restrictions

0.60%

$10,000

-

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Intouch
Restrictions

0.60%

$1,000

-

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Xceed Financial
Restrictions

0.60%

$10,000

-

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Relyon
Restrictions

0.60%

$10,000

-

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Concho Educators
Restrictions

0.60%

$100,000

-

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0.60%

$10,000

-

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Texas Bay
Restrictions

0.60%

$100,000

-

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0.60%

$10,000

-

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0.55%

$10,000

-

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Centex Citizens
Restrictions

0.55%

$10,000

-

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0.55%

$10,000

-

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Access Community
Restrictions

0.55%

$10,000

-

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Gulf
Restrictions

0.55%

$10,000

-

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Truwest
Restrictions

0.55%

$10,000

-

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People's Trust
Restrictions

0.55%

$10,000

-

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Houston Police
Restrictions

0.55%

$100,000

-

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Valley
Restrictions

0.55%

$10,000

-

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Houston Police
Restrictions

0.51%

$1,000

-

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Justice
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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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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0.50%

$10,000

-

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0.50%

$10,000

-

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Windthorst
Restrictions

0.50%

$10,000

-

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America's
Restrictions

0.50%

$100,000

-

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Resource One
Restrictions

0.50%

$500

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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Unity One
Restrictions

0.50%

$10,000

-

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Trugrocer
Restrictions

0.50%

$100,000

-

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One Source
Restrictions

0.50%

$100,000

-

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0.50%

$10,000

-

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Concho Educators
Restrictions

0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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Altra
Restrictions

0.50%

$10,000

-

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Kerr County
Restrictions

0.50%

$10,000

-

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Smart Financial
Restrictions

0.50%

$100,000

-

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0.50%

$10,000

-

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United Community
Restrictions

0.50%

$10,000

-

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Victoria Teachers
Restrictions

0.50%

$100,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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H E B
Restrictions

0.49%

$10,000

-

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0.46%

$10,000

-

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0.45%

$10,000

-

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Caprock
Restrictions

0.45%

$10,000

-

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Libertyone
Restrictions

0.45%

$100,000

-

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Members
Restrictions

0.45%

$10,000

-

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Trugrocer
Restrictions

0.45%

$10,000

-

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0.45%

$10,000

-

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Fivepoint
Restrictions

0.45%

$1,000

-

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Truity
Restrictions

0.45%

$100,000

-

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F A A
Restrictions

0.43%

$50,000

-

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F A A
Restrictions

0.40%

$500

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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Ep
Restrictions

0.40%

$10,000

-

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One Source
Restrictions

0.40%

$10,000

-

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First Basin
Restrictions

0.40%

$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

Smart Financial
Restrictions

0.40%

$10,000

-

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River City
Restrictions

0.40%

$10,000

-

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Victoria Teachers
Restrictions

0.40%

$10,000

-

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Laredo
Restrictions

0.40%

$10,000

-

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0.35%

$100,000

-

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0.35%

$10,000

-

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Mesquite
Restrictions

0.35%

$10,000

-

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Secured Advantage
Restrictions

0.35%

$10,000

-

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0.35%

$100,000

-

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Libertyone
Restrictions

0.35%

$10,000

-

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0.35%

$100,000

-

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Citizens
Restrictions

0.35%

$100,000

-

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Abilene Teachers
Restrictions

0.35%

$100,000

-

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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

0.35%

$100,000

-

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Mobiloil
Restrictions

0.35%

$10,000

-

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Energy Capital
Restrictions

0.35%

$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

America's
Restrictions

0.30%

$10,000

-

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Metro Medical
Restrictions

0.30%

$10,000

-

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Go
Restrictions

0.30%

$10,000

-

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Texas Bay
Restrictions

0.30%

$10,000

-

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Truity
Restrictions

0.30%

$10,000

-

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0.28%

$10,000

-

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0.25%

$10,000

-

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West Texas
Restrictions

0.25%

$10,000

-

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Cosden
Restrictions

0.25%

$100,000

-

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4u
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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Heritage Usa
Restrictions

0.25%

$10,000

-

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0.25%

$10,000

-

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Cy-fair
Restrictions

0.25%

$100,000

-

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0.25%

$100,000

-

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Allied
Restrictions

0.20%

$10,000

-

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Texans
Restrictions

0.20%

$10,000

-

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Hereford Texas
Restrictions

0.20%

$1,000

-

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My
Restrictions

0.20%

$10,000

-

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Cosden
Restrictions

0.20%

$10,000

-

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Education First
Restrictions

0.20%

$10,000

-

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Cy-fair
Restrictions

0.20%

$10,000

-

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0.20%

$10,000

-

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Citizens
Restrictions

0.15%

$10,000

-

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Abilene Teachers
Restrictions

0.15%

$10,000

-

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Austin
Restrictions

0.15%

$10,000

-

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Shared Resources
Restrictions

0.10%

$10,000

-

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Edu
Restrictions

0.10%

$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 One-Year 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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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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