If you're lucky enough to live in El Paso, then you can become a member of El Paso Area Teachers FCU and open their 3.44% APY 60-Month CD. That's the best 5-year CD rate in the United States according to the BestCashCow database.
This is a jumbo CD, so the minimum balance is $50,000. Membership to El Paso Area Teachers is open to anyone living or working in El Paso County.
El Paso Area Teachers is a relatively big credit union with $420 million in assets. The credit union is NCUA insured and has a low Rexas Ratio of 1.08% versus a national average of 11.64% (lower is better - a lower Texas ratio means the bank has less fewer delinquent loans on its books versus its overall capital). The credit union has 8 locations in El Paso Country (see each location on a map).
If you don't live in El Paso County, find other great local and national CD rates for your area by clicking on the CDs tab above.
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