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 - July 31, 2025

18 Month CD National Average : 0.58% ^?

Credit Unions	APY	MIN	MILES ^?
Eecu Eecu Branch Restrictions	5.11% 5.00% 4.35%	$50,000 $1,000 $5,000	-	Learn More Add Review
Rate History: 4.95% → 5.11%
Investex Investex Credit Union Branch 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 Advancial Branch 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 Star Of Texas Credit Union Branch 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 Texas People Branch Restrictions	4.63% 4.13%	$50,000 $1,000	-	Learn More Add Review
Credit Human San Antonio Branch Restrictions	4.55%	$500	-	Learn More
Rate History: 5.00% → 5.00% → 5.30% → 5.25% → 4.55%
Anavile23 \| Jul 10, 2019 Does credit human use ChexSystems Read More Reviews (1)
Eastman Eastman Branch Restrictions	4.30% 4.25%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.70% → 4.30%
Shell Shell Branch Restrictions	4.15% 4.00%	$50,000 $500	-	Learn More
Rate History: 4.15% → 4.40% → 4.15% → 3.65% → 4.15%
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)
Bayer Heritage Bayer Heritage Branch Restrictions	4.13% 4.08%	$100,000 $100	-	Learn More Add Review
Rate History: 4.76% → 4.50% → 3.98% → 4.13%
Austin Telco University Oaks Branch 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)
Credit Union Of Texas Credit Union Of Texa Branch Restrictions	4.05%	$1,000	-	Learn More Add Review
Rate History: 4.40% → 4.30% → 4.25% → 4.10% → 4.05%
Randolph-brooks Randolph-brooks Branch Restrictions	3.95%	$1,000	-	Learn More Add Review
Rate History: 4.60% → 4.85% → 4.87% → 4.60% → 3.95%
Tarrant County's Credit Union Tarrant County Branch Restrictions	3.95%	$95,000	-	Learn More Add Review
Velocity Velocity Branch Restrictions	3.95%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 4.30% → 4.15% → 4.00% → 3.95%
Gecu	3.90%	$1,000	-	Learn More Add Review
Rate History: 3.86% → 4.06% → 4.01% → 3.96% → 3.90%
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	3.85% 3.80%	$100,000 $1,000	-	Learn More
Rate History: 4.45% → 4.15% → 3.85%
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)
Neches Neches Branch Restrictions	3.85% 3.75%	$100,000 $1,000	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 3.85%
Premier America Premier America Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.75%
A+ A+ Branch Restrictions	3.71%	$1,000	-	Learn More
Rate History: 4.39% → 3.76% → 3.66% → 3.56% → 3.71%
Ali123 \| Dec 19, 2019 Ali123 Read More Reviews (1)
Tarrant County's Credit Union Tarrant County Branch Restrictions	3.70%	$1,000	-	Learn More Add Review
Texas Dow Employees Texas Dow Employees Branch 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)
Nusenda Restrictions	3.65%	$1,000	-	Learn More
Rate History: 4.15% → 3.75% → 3.65%
Jessica \| Dec 16, 2020 Nusenda Credit Union are unprofessional and a big waste of time. Read More Reviews (3)
Wellby Monument Branch 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)
Gecu Vds Branch 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)
Pentagon Pentagon Branch Restrictions	3.25%	$1,000	-	Learn More
Rate History: 4.30% → 4.00% → 3.70% → 3.60% → 3.25%
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)
Air Force Air Force Branch Restrictions	3.20%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 3.80% → 4.10% → 3.70% → 3.20%
Members Choice Members Choice Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 2.73% → 2.75% → 2.00% → 3.00%
First Community First Community Cu O Branch Restrictions	2.85% 2.80%	$100,000 $500	-	Learn More Add Review
Rate History: 3.70% → 3.50% → 3.00% → 2.90% → 2.85%
Farmers Insurance Group Farmers Insurance Gr Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 4.15% → 3.75% → 3.50% → 3.25% → 2.75%
Security First Security First Branch 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%
Department of Commerce Restrictions	2.18%	$500	-	Learn More
Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Chartway Chartway Branch Restrictions	1.75%	$500	-	Learn More Add Review
Evolve El Paso Employees Branch Restrictions	1.71%	$500	-	Learn More Add Review
1st University 1st University Branch	1.25%	$10,000	-	Learn More Add Review
Houston Texas Fire Fighters Houston Texas Fire F Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
Doches Doches Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Firstlight Firstlight Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Gulf Coast Gulf Coast Branch Restrictions	1.15%	$500	-	Learn More Add Review
Texas Tech Texas Tech Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
White Sands El Paso Branch Restrictions	1.11%	$100,000	-	Learn More Add Review
Assemblies Of God Assemblies Of God Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Sabine Sabine Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Houston Houston Branch Restrictions	1.07%	$100,000	-	Learn More Add Review
Houston Texas Fire Fighters Houston Texas Fire F Branch Restrictions	1.06%	$10,000	-	Learn More Add Review
Kelly Community Kelly Community Fcu Branch 2 Restrictions	1.06%	$10,000	-	Learn More Add Review
Firstlight Firstlight Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Walker County Walker County Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Westex Westex Branch Restrictions	1.04%	$100,000	-	Learn More Add Review
Union Square Burk Office Branch Restrictions	1.01%	$1,000	-	Learn More Add Review
Greater Texas Greater Texas Branch Restrictions	1.01%	$100,000	-	Learn More Add Review
Wichita Falls Teachers Wichita Falls Teache Branch Restrictions	1.00%	$1,000	-	Learn More Add Review
Texar Texar Branch Restrictions	1.00%	$1,000	-	Learn More Add Review
White Sands El Paso Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Community Resource Community Resource Branch Restrictions	0.95%	$100	-	Learn More Add Review
Border Border Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Houston Houston Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Linkage Linkage Credit Union Branch	0.90%	$10,000	-	Learn More Add Review
Gulf Coast Educators Gulf Coast Educators Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Greater Texas Greater Texas Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Southwest Airlines Southwest Airlines Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Rocket Rocket Branch	0.90%	$100,000	-	Learn More Add Review
Border Border Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Texell West Adams Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Generations Community Generations Communit Branch 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 Greenspoint Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Cal-com Cal-com Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Community Service Community Service Branch Restrictions	0.86%	$10,000	-	Learn More Add Review
Living In Fulfillment Everyday Members' Choice Branch Restrictions	0.85%	$26	-	Learn More Add Review
Pantex Pantex Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Alliance South Branch	0.85%	$10,000	-	Learn More Add Review
Energy One Energy One Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Members Choice Of Central Texas Members Choice Of Ce Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
East Texas Professional East Texas Professio Branch Restrictions	0.85%	$1,000	-	Learn More Add Review
First Service Spring Cypress Branch 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 Woodlands Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Southwest Research Center Southwest Research C Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Generations Community Generations Communit Branch 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 2595 Polaris Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Caprock Caprock Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Amarillo Community Amarillo Community Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Education 45th Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Southwest Airlines Southwest Airlines Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Service 1st Service 1st Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
United Heritage United Heritage Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Dugood Dupont Goodrich Branch Restrictions	0.80%	$1,000	-	Learn More Add Review
Firstmark Reagan High School Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Associated Credit Union Of Texas Associated Credit Un Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Southwest Research Center Southwest Research C Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Texasgulf Texasgulf Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Santa Fe Santa Fe Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Postel Family Postel Family Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
First Class American 2595 Polaris Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
San Angelo San Angelo Branch	0.75%	$10,000	-	Learn More Add Review
Energy One Energy One Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
First Service Spring Cypress Branch 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 Cal-com Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
North East Texas Lone Star Office Branch Restrictions	0.71%	$10,000	-	Learn More Add Review
Neighborhood Neighborhood Branch Restrictions	0.70%	$2,500	-	Learn More Add Review
Relyon Employees Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Firstmark Reagan High School Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Associated Credit Union Of Texas Associated Credit Un Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Alamo City Texas Workforce Branch Restrictions	0.70%	$5,000	-	Learn More Add Review
People's Trust People's Trust Branch Restrictions	0.66%	$100,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Intouch Intouch Branch Restrictions	0.65%	$1,000	-	Learn More Add Review
Gulf Gulf Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Texas Bay Texas Bay Area Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Wellspring Firestone Community Branch Restrictions	0.62%	$10,000	-	Learn More Add Review
Tex Mex Tex Mex Branch	0.60%	$10,000	-	Learn More Add Review
Access Community Access Community Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Rocket Rocket Branch	0.60%	$10,000	-	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Unity One Unity One Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
People's Trust People's Trust Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Houston Police Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Valley Valley Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Houston Police Branch Restrictions	0.56%	$1,000	-	Learn More Add Review
Justice Justice Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Caprock Caprock Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Centex Citizens Centex Citizens Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
America's America's Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Members Members Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
One Source One Source Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Mid-tex Mid-tex Branch	0.55%	$10,000	-	Learn More Add Review
United Community United Community Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Altra Altra Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Cooperative Teachers Cooperative Teachers Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Laredo Laredo Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
F A A F A A Branch Restrictions	0.48%	$50,000	-	Learn More Add Review
F A A F A A Branch Restrictions	0.45%	$500	-	Learn More Add Review
Mesquite Mesquite Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
One Source One Source Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Communities Of Abilene Communities Of Abile Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Secured Advantage Secured Advantage Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Abilene Teachers Abilene Teachers Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Mobiloil Mobiloil Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
4u Nascoga Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
America's America's Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Texas Bay Texas Bay Area Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Go Lbj Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Gulf Coast Educators Gulf Coast Educators Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Truity 66 Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Hereford Texas Hereford Texas Branch Restrictions	0.25%	$1,000	-	Learn More Add Review
Texans Texans Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
My My Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Abilene Teachers Abilene Teachers Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Chocolate Bayou Community Chocolate Bayou Comm Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Texas Texas Branch 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.

Branches Info around zip 10116

Branch	Street	City	State
EECU Eecu Eecu Branch	1460 W Southlake Blvd	Southlake	TX
EECU Eecu Eecu Branch	1460 W Southlake Blvd	Southlake	TX
INVESTEX Investex Credit Union Investex Credit Union Branch	5212 Atascocita Rd	Humble	TX
ADVANCIAL Advancial Advancial Branch	1845 WOODALL RODGERS FWY, SUITE 130	DALLAS	TX
STAR OF TEXAS Star Of Texas Credit Union Star Of Texas Credit Union Branch	114 E Huntland Dr.	Austin	TX
ADVANCIAL Advancial Advancial Branch	1845 WOODALL RODGERS FWY, SUITE 130	DALLAS	TX
TEXAS PEOPLE Texas People Texas People Branch	4613 Wellesley Ave	Fort Worth	TX
STAR OF TEXAS Star Of Texas Credit Union Star Of Texas Credit Union Branch	114 E Huntland Dr.	Austin	TX
ADVANCIAL Advancial Advancial Branch	1845 WOODALL RODGERS FWY, SUITE 130	DALLAS	TX
CREDIT HUMAN San Antonio San Antonio Branch	6061 IH-10 West	San Antonio	TX
EECU Eecu Eecu Branch	1460 W Southlake Blvd	Southlake	TX
INVESTEX Investex Credit Union Investex Credit Union Branch	5212 Atascocita Rd	Humble	TX
EASTMAN Eastman Eastman Branch	149 Kodak Boulevard	Longview	TX
EASTMAN Eastman Eastman Branch	149 Kodak Boulevard	Longview	TX
SHELL Shell Shell Branch	301 E 13th St	Deer Park	TX
BAYER HERITAGE Bayer Heritage Bayer Heritage Branch	8500 West Bay Rd. # 32	Baytown	TX
TEXAS PEOPLE Texas People Texas People Branch	4613 Wellesley Ave	Fort Worth	TX
AUSTIN TELCO University Oaks University Oaks Branch	121 University Oaks	Round Rock	TX
BAYER HERITAGE Bayer Heritage Bayer Heritage Branch	8500 West Bay Rd. # 32	Baytown	TX
CREDIT UNION OF TEXAS Credit Union Of Texa Credit Union Of Texa Branch	8131 LBJ FREEWAY, SUITE 550	DALLAS	TX
AUSTIN TELCO University Oaks University Oaks Branch	121 University Oaks	Round Rock	TX
SHELL Shell Shell Branch	301 E 13th St	Deer Park	TX
RANDOLPH-BROOKS Randolph-brooks Randolph-brooks Branch	One Randolph Brooks Parkway	Live Oak	TX
TARRANT COUNTY'S CREDIT UNION Tarrant County Tarrant County Branch	100 E. Weatherford Street #205	Fort Worth	TX
VELOCITY Velocity Velocity Branch	610 East 11th Street	Austin	TX
AUSTIN TELCO University Oaks University Oaks Branch	121 University Oaks	Round Rock	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Northshore Plaza, 1536 Wildcat Drive	Portland	TX
NECHES Neches Neches Branch	776 Magnolia Ave	Port Neches	TX
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Northshore Plaza, 1536 Wildcat Drive	Portland	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
NECHES Neches Neches Branch	776 Magnolia Ave	Port Neches	TX
A+ A+ A+ Branch	6420 E Highway 290	Austin	TX
TARRANT COUNTY'S CREDIT UNION Tarrant County Tarrant County Branch	100 E. Weatherford Street #205	Fort Worth	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	1001 FM 2004	Lake Jackson	TX
JSC Monument Branch Monument Branch	2200 E 13th St	Deer Park	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	1001 FM 2004	Lake Jackson	TX
GECU Vds Vds Branch	10435 Vista Del Sol Dr	El Paso	TX
PENTAGON Pentagon Pentagon Branch	761 Tank Battalion Avenue, & 37th Street B	Fort Hood	TX
SOARION Air Force Air Force Branch	1560 Cable Ranch Road, Suite 200	San Antonio	TX
MEMBERS CHOICE Members Choice Members Choice Branch	14960 Park Row Bv	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
FARMERS INSURANCE Farmers Insurance Gr Farmers Insurance Gr Branch	15700 Long Vista Drive	Austin	TX
SECURITY FIRST Security First Security First Branch	3515 S Jackson Road	EDINBURG	TX
SECURITY FIRST Security First Security First Branch	3515 S Jackson Road	EDINBURG	TX
SECURITY FIRST Security First Security First Branch	3515 S Jackson Road	EDINBURG	TX
SECURITY FIRST Security First Security First Branch	3515 S Jackson Road	EDINBURG	TX
CHARTWAY Chartway Chartway Branch	3200 S Shepherd Drive	Houston	TX
EVOLVE El Paso Employees El Paso Employees Branch	8840 Gazele Drive	El Paso	TX
SECURITY FIRST Security First Security First Branch	3515 S Jackson Road	EDINBURG	TX
1ST UNIVERSITY 1st University 1st University Branch	605 S. University Parks Dr.	Waco	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire F Houston Texas Fire F Branch	4200 Kolb Street	Houston	TX
DOCHES Doches Doches Branch	920 NW Stallings Dr	Nacogdoches	TX
FIRSTLIGHT Firstlight Firstlight Branch	9983 Kenworthy St	El Paso	TX
GULF COAST Gulf Coast Gulf Coast Branch	2633 Rodd Field Road	Corpus Christi	TX
TEXAS TECH Texas Tech Texas Tech Branch	1802 Texas Tech Parkway	Lubbock	TX
WHITE SANDS El Paso El Paso Branch	4545 Hondo Pass Dr	El Paso	TX
ASSEMBLIES OF GOD Assemblies Of God Assemblies Of God Branch	1123 Sycamore St, Suite B (200)	Waxahachie	TX
SABINE Sabine Sabine Branch	1939 Strickland Drive	Orange	TX
HOUSTON Houston Houston Branch	16320 Kensington Drive	Sugar Land	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire F Houston Texas Fire F Branch	4200 Kolb Street	Houston	TX
KELLY COMMUNITY Kelly Community Fcu Branch 2 Kelly Community Fcu Branch 2	1409 E 5th St	Tyler	TX
FIRSTLIGHT Firstlight Firstlight Branch	9983 Kenworthy St	El Paso	TX
WALKER COUNTY Walker County Walker County Branch	1802 Normal Park	Huntsville	TX
WESTEX Westex Westex Branch	901 Avenue Q	Lubbock	TX
UNION SQUARE Burk Office Burk Office Branch	909 W Kramer Rd	Burkburnett	TX
GREATER TEXAS Greater Texas Greater Texas Branch	6411 N. Lamar	Austin	TX
WICHITA FALLS TEACHERS Wichita Falls Teache Wichita Falls Teache Branch	4301 Barnett Rd	Wichita Falls	TX
TEXAR Texar Texar Branch	2301 RICHMOND RD	TEXARKANA	TX
WHITE SANDS El Paso El Paso Branch	4545 Hondo Pass Dr	El Paso	TX
COMMUNITY RESOURCE Community Resource Community Resource Branch	2900 Decker Drive	Baytown	TX
BORDER Border Border Branch	2211 N BEDELL AVE	Del Rio	TX
HOUSTON Houston Houston Branch	16320 Kensington Drive	Sugar Land	TX
LINKAGE Linkage Credit Union Linkage Credit Union Branch	4527 SPEIGHT AVE	WACO	TX
GULF COAST EDUCATORS Gulf Coast Educators Gulf Coast Educators Branch	5953 Fairmont Pkwy	Pasadena	TX
GREATER TEXAS Greater Texas Greater Texas Branch	6411 N. Lamar	Austin	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	2430 Shorecrest Dr	Dallas	TX
ROCKET Rocket Rocket Branch	905 W. MCGREGOR DR.	MCGREGOR	TX
BORDER Border Border Branch	2211 N BEDELL AVE	Del Rio	TX
TEXELL West Adams Branch West Adams Branch	6607 W Adams Ave Ste F	Temple	TX
GENERATIONS COMMUNITY Generations Communit Generations Communit Branch	123 N. Medina St.	San Antonio	TX
PRIMEWAY Greenspoint Greenspoint Branch	100 Dominion Park Dr	Houston	TX
CAL-COM Cal-com Cal-com Branch	1401 N Virginia	Port Lavaca	TX
COMMUNITY SERVICE Community Service Community Service Branch	250 FM 2821 Road West	Huntsville	TX
LIVING IN FULFILLMENT EVERYDAY Members' Choice Members' Choice Branch	1108 Dallas Drive, Suite 315	Denton	TX
PANTEX Pantex Pantex Branch	1300 W. Wilson St.	Borger	TX
ALLIANCE South Branch South Branch	2404 82nd St	Lubbock	TX
ENERGY ONE Energy One Energy One Branch	1293 Eldridge Pkwy	Houston	TX
MEMBERS CHOICE OF CENTRAL TEXAS Members Choice Of Ce Members Choice Of Ce Branch	4631 W Waco Dr	Waco	TX
EAST TEXAS PROFESSIONAL East Texas Professio East Texas Professio Branch	409 East Loop 281	Longview	TX
FIRST SERVICE Spring Cypress Spring Cypress Branch	8640 Spring Cypress Rd	Spring	TX
RIVERLAND Woodlands Branch Woodlands Branch	10055 Grogans Mill Rd	The Woodlands	TX
SOUTHWEST RESEARCH CENTER Southwest Research C Southwest Research C Branch	7215 Culebra	San Antonio	TX
GENERATIONS COMMUNITY Generations Communit Generations Communit Branch	123 N. Medina St.	San Antonio	TX
FIRST CLASS AMERICAN 2595 Polaris 2595 Polaris Branch	2595 Polaris Dr	Fort Worth	TX
CAPROCK Caprock Caprock Branch	709 N 1ST	LAMESA	TX
ACFCU Amarillo Community Amarillo Community Branch	6100 I-40 West	Amarillo	TX
EDUCATION 45th Branch 45th Branch	3615 SW 45th Ave	Amarillo	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	2430 Shorecrest Dr	Dallas	TX
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	3500 Manor Way	Dallas	TX
SERVICE 1ST Service 1st Service 1st Branch	10001 Jack Finney Blvd.	Greenville	TX
UNITED HERITAGE United Heritage United Heritage Branch	12208 N Mopac Expressway	Austin	TX
DUGOOD Dupont Goodrich Dupont Goodrich Branch	7505 Eastex Frwy Ste. B	Beaumont	TX
FIRSTMARK Reagan High School Branch Reagan High School Branch	19000 Ronald Reagan	San Antonio	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	100 Perkins Ave, Ste D	League City	TX
SOUTHWEST RESEARCH CENTER Southwest Research C Southwest Research C Branch	7215 Culebra	San Antonio	TX
TEXASGULF Texasgulf Texasgulf Branch	2015 North Fulton	Wharton	TX
SANTA FE Santa Fe Santa Fe Branch	1422 S HARRISON ST	AMARILLO	TX
POSTEL FAMILY Postel Family Postel Family Branch	1300 Broad Street	Wichita Falls	TX
FIRST CLASS AMERICAN 2595 Polaris 2595 Polaris Branch	2595 Polaris Dr	Fort Worth	TX
SAN ANGELO San Angelo San Angelo Branch	235 W 1ST ST.	SAN ANGELO	TX
ENERGY ONE Energy One Energy One Branch	1293 Eldridge Pkwy	Houston	TX
FIRST SERVICE Spring Cypress Spring Cypress Branch	8640 Spring Cypress Rd	Spring	TX
CAL-COM Cal-com Cal-com Branch	1401 N Virginia	Port Lavaca	TX
NORTH EAST TEXAS Lone Star Office Lone Star Office Branch	1115 Lone Star Blvd	Lone Star	TX
NEIGHBORHOOD Neighborhood Neighborhood Branch	13649 Montfort	Dallas	TX
RELYON Employees Employees Branch	8989 Harry Hines Blvd.	Dallas	TX
FIRSTMARK Reagan High School Branch Reagan High School Branch	19000 Ronald Reagan	San Antonio	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	100 Perkins Ave, Ste D	League City	TX
ALAMO CITY Texas Workforce Texas Workforce Branch	4801 NW Loop 410 #510A	San Antonio	TX
PEOPLE'S TRUST People's Trust People's Trust Branch	777 Walker Street #2400	Houston	TX
JUSTICE Justice Justice Branch	1 Justice Park Drive	Houston	TX
INTOUCH Intouch Intouch Branch	5640 DEMOCRACY DRIVE	PLANO	TX
GULF Gulf Gulf Branch	5140 West Parkway	Groves	TX
TEXAS BAY Texas Bay Area Texas Bay Area Branch	12611 Fuqua St	Houston	TX
WELLSPRING Firestone Community Firestone Community Branch	150 East Roundbunch Road	Bridge City	TX
TEX MEX Tex Mex Tex Mex Branch	1420 Cedar Ave.	Laredo	TX
ACCESS COMMUNITY Access Community Access Community Branch	6401 Bell St	Amarillo	TX
ROCKET Rocket Rocket Branch	905 W. MCGREGOR DR.	MCGREGOR	TX
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	1660 South Stemmons Fwy Suite 140	Lewisville	TX
UNITY ONE Unity One Unity One Branch	6701 Burlington Blvd	Fort Worth	TX
PEOPLE'S TRUST People's Trust People's Trust Branch	777 Walker Street #2400	Houston	TX
HOUSTON POLICE Houston Police Houston Police Branch	1600 Memorial	Houston	TX
VALLEY Valley Valley Branch	183 E. Price Road	Brownsville	TX
HOUSTON POLICE Houston Police Houston Police Branch	1600 Memorial	Houston	TX
JUSTICE Justice Justice Branch	1 Justice Park Drive	Houston	TX
CAPROCK Caprock Caprock Branch	709 N 1ST	LAMESA	TX
CENTEX CITIZENS Centex Citizens Centex Citizens Branch	Centex Citizens Credit Union, 931 N	Mexia	TX
AMERICA'S America's America's Branch	2154 FOREST LN	GARLAND	TX
MEMBERS Members Members Branch	827 N MAIN	CLEBURNE	TX
ONE SOURCE One Source One Source Branch	8870 Gazelle	El Paso	TX
MID-TEX Mid-tex Mid-tex Branch	3808 HWY 377 S	BROWNWOOD	TX
UNITED COMMUNITY United Community United Community Branch	1700 16th St	Galena Park	TX
ALTRA Altra Altra Branch	5523 Troup Highway	Tyler	TX
COOPERATIVE TEACHERS Cooperative Teachers Cooperative Teachers Branch	1424 WSW Loop 323	Tyler	TX
LAREDO Laredo Laredo Branch	1119 Corpus Christi	Laredo	TX
F A A F A A F A A Branch	16600 JFK BLVD	Houston	TX
F A A F A A F A A Branch	16600 JFK BLVD	Houston	TX
MESQUITE Mesquite Mesquite Branch	1510 N Galloway Ave	Mesquite	TX
ONE SOURCE One Source One Source Branch	8870 Gazelle	El Paso	TX
COMMUNITIES OF ABILENE Communities Of Abile Communities Of Abile Branch	3661 N 6th St	Abilene	TX
SECURED ADVANTAGE Secured Advantage Secured Advantage Branch	1301 W. Magnolia Street	Iowa Park	TX
ABILENE TEACHERS Abilene Teachers Abilene Teachers Branch	2801 No 6th	Abilene	TX
MOBILOIL Mobiloil Mobiloil Branch	1810 N. Major Drive	Beaumont	TX
4U Nascoga Nascoga Branch	1312 Lawrence St	Gainesville	TX
AMERICA'S America's America's Branch	2154 FOREST LN	GARLAND	TX
TEXAS BAY Texas Bay Area Texas Bay Area Branch	12611 Fuqua St	Houston	TX
GO Lbj Branch Lbj Branch	5429 Lbj Fwy Ste 100	Dallas	TX
GULF COAST EDUCATORS Gulf Coast Educators Gulf Coast Educators Branch	5953 Fairmont Pkwy	Pasadena	TX
TRUITY 66 66 Branch	600 N. Dairy Ashford	Houston	TX
HEREFORD TEXAS Hereford Texas Hereford Texas Branch	330 Schley	Hereford	TX
TEXANS Texans Texans Branch	777 E. CAMPBELL ROAD	RICHARDSON	TX
MY My My Branch	5744 Watauga Road	Watauga	TX
ABILENE TEACHERS Abilene Teachers Abilene Teachers Branch	2801 No 6th	Abilene	TX
CHOCOLATE BAYOU COMMUNITY Chocolate Bayou Comm Chocolate Bayou Comm Branch	1301 North Highway 35 Bypass	Alvin	TX
TEXAS Texas Texas Branch	1100 COMMERCE STREET SUITE 745	DALLAS	TX

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

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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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

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)?

SAVINGS & CD CALCULATOR

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