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Credit Union CD Rates – 18-Month – Arlington, Texas 2019

Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Arlington, 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.

Arlington, TX - December 6, 2019

18 Month CD National Average : 0.98% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
2.25% $100,000 -
2.25% $1,000 5605.11
2.25% $100,000 6057.65
Advancial
Restrictions
2.23% $50,000 5608.61
2.20% $1,000 5427.21
Shell
Restrictions
2.20% $100,000 5443.34
Genco
Restrictions
2.17% $5,000 5468.19
2.17% $1,000 5450.48
Shell
Restrictions
2.15% $500 5443.34
2.15% $10,000 6057.65
Jsc
Restrictions
2.12% $100,000 5439.00
Centex Citizens
Restrictions
2.12% $1,000 5562.42
Premier America
Restrictions
2.10% $100,000 5462.18
2.10% $1,000 5572.89
First Community
Restrictions
2.10% $100,000 5467.72
Membersource
Restrictions
2.10% $10,000 5465.02
United Community
Restrictions
2.10% $1,000 5450.03
2.10% $1,000 5438.32
2.07% $1,000 5634.18
Endurance
Restrictions
2.05% $99,000 5460.11
Eastman
Restrictions
2.05% $1,000 5497.45
2.05% $1,000 5613.32
2.04% $1,000 5501.63
Advancial
Restrictions
2.03% $1,000 5608.61
Jsc
Restrictions
2.02% $500 5439.00
Assemblies Of God
Restrictions
2.02% $10,000 5600.28
North East Texas
Restrictions
2.02% $1,000 5510.79
2.02% $10,000 5610.59
Membersource
Restrictions
2.00% $10,000 5465.02
Texasgulf
Restrictions
2.00% $500 5481.37
2.00% $500 5588.79
Premier America
Restrictions
2.00% $10,000 5462.18
Credit Human
Restrictions
2.00% $1,000 5470.20
Houston
Restrictions
2.00% $500 5465.44
2.00% $500 5590.81
First Community
Restrictions
1.95% $500 5467.72
Pantex
Restrictions
1.92% $2,500 5912.53
Texas Tech
Restrictions
1.92% $1,000 5878.22
Justice
Restrictions
1.91% $500 5460.91
Neches
Restrictions
1.91% $1,000 5393.48
Energy One
Restrictions
1.90% $1,000 5613.39
1.90% $1,000 5628.80
Endurance
Restrictions
1.90% $10,000 5460.11
1.90% $1,000 5452.30
Membersource
Restrictions
1.90% $10,000 5465.02
Houston Police
Restrictions
1.87% $1,000 5457.23
Union Square
Restrictions
1.87% $1,000 5721.76
Gecu
Restrictions
1.87% $50,000 6051.19
Santa Fe
Restrictions
1.87% $500 5920.31
Greater Texas
Restrictions
1.85% $95,000 5587.28
Mil-way
Restrictions
1.85% $2,500 5496.20
1.85% $1,000 5876.56
Firstlight
Restrictions
1.85% $100,000 6054.29
Neighborhood
Restrictions
1.85% $2,500 5613.18
1.84% $5,000 5608.12
Kelly Community
Restrictions
1.82% $1,000 5522.97
Mobiloil
Restrictions
1.81% $1,000 5407.88
White Sands
Restrictions
1.81% $25,000 6055.70
Eecu
Restrictions
1.80% $1,000 5633.70
1.80% $10,000 5609.91
Education
Restrictions
1.80% $10,000 5923.49
Intouch
Restrictions
1.80% $1,000 5614.00
1.78% $100,000 5604.97
Gecu
Restrictions
1.77% $1,000 6051.19
Texas Bay
Restrictions
1.76% $1,000 5445.22
Austin Telco
Restrictions
1.76% $95,000 5588.94
Firstlight
Restrictions
1.75% $500 6054.29
Sabine
Restrictions
1.75% $1,000 5388.06
1.75% $1,000 5604.97
Gulf Coast
Restrictions
1.75% $500 5502.72
Pentagon
Restrictions
1.75% $1,000 5610.63
Las Colinas
Restrictions
1.73% $1,000 5618.97
Geico
Restrictions
1.72% $1,000 5614.52
Evolve
Restrictions
1.71% $500 6050.14
Velocity
Restrictions
1.71% $1,000 5586.33
Cal-com
Restrictions
1.71% $500 5513.52
White Sands
Restrictions
1.71% $1,000 6055.70
Texas Bridge
Restrictions
1.71% $25,000 5507.06
One Source
Restrictions
1.71% $50,000 6050.13
Austin Telco
Restrictions
1.71% $1,000 5588.94
Resource One
Restrictions
1.70% $90,000 5607.55
Truity
Restrictions
1.70% $500 5465.04
First Service
Restrictions
1.70% $50,000 5455.06
Xceed Financial
Restrictions
1.70% $500 5623.82
Greater Texas
Restrictions
1.70% $1,000 5587.28
Members Choice
Restrictions
1.70% $50,000 5471.31
Investex
Restrictions
1.67% $1,000 5461.75
Postel Family
Restrictions
1.66% $1,000 5721.82
1.66% $1,000 5724.86
Access Community
Restrictions
1.65% $5,000 5921.53
Unity One
Restrictions
1.65% $500 5636.26
Texas Bridge
Restrictions
1.61% $1,000 5507.06
Dugood
Restrictions
1.61% $1,000 5408.09
Relyon
Restrictions
1.61% $1,000 5613.18
People's Trust
Restrictions
1.61% $10,000 5456.74
One Source
Restrictions
1.61% $500 6050.13
First Service
Restrictions
1.60% $1,000 5455.06
Resource One
Restrictions
1.60% $500 5607.55
Members Choice
Restrictions
1.60% $500 5471.31
Texar
Restrictions
1.60% $1,000 5496.32
1.56% $5,000 5923.49
Firstmark
Restrictions
1.55% $100,000 5604.99
Go
Restrictions
1.55% $1,000 5609.70
Randolph-brooks
Restrictions
1.51% $5,000 5598.13
1.50% $50,000 6045.34
Firstmark
Restrictions
1.45% $500 5604.99
Primeway
Restrictions
1.40% $1,000 5457.03
1.40% $500 6045.34
1.36% $1,000 5443.27
Border
Restrictions
1.35% $10,000 5720.40
Ohio Catholic
Restrictions
1.35% $100,000 -
United Heritage
Restrictions
1.30% $1,000 5589.21
Abilene Teachers
Restrictions
1.26% $500 5743.06
Bayer Heritage
Restrictions
1.26% $500 5434.25
1.26% $500 5743.57
Wellspring
Restrictions
1.26% $1,000 5388.89
Ohio Catholic
Restrictions
1.25% $25,000 -
Members
Restrictions
1.25% $1,000 5625.19
My
Restrictions
1.21% $2,000 5632.65
1.21% $1,000 5441.63
1.20% $1,000 5633.46
F A A
Restrictions
1.18% $50,000 5460.34
Security First
Restrictions
1.16% $100,000 5512.67
Ohio Catholic
Restrictions
1.15% $500 -
F A A
Restrictions
1.15% $500 5460.34
Nascoga
Restrictions
1.15% $1,000 5648.69
Texans
Restrictions
1.11% $1,000 5609.42
Community Service
Restrictions
1.11% $1,000 5491.84
Riverland
Restrictions
1.10% $10,000 5472.33
Valley
Restrictions
1.06% $10,000 5467.66
Walker County
Restrictions
1.05% $1,000 5491.65
Rockdale
Restrictions
1.02% $1,000 5561.14
Altra
Restrictions
1.00% $1,000 5519.65
1.00% $1,000 5553.28
0.95% $500 5685.48
0.90% $1,000 5522.98
0.85% $1,000 5750.29
Security First
Restrictions
0.85% $1,000 5512.67
Secured Advantage
Restrictions
0.80% $500 5732.64
0.70% $1,000 5601.55
0.65% $1,000 5605.11
Gulf
Restrictions
0.65% $500 5390.93
America's
Restrictions
0.65% $5,000 5604.99
0.60% $1,000 5635.22
Laredo
Restrictions
0.50% $1,000 5604.85
Mesquite
Restrictions
0.45% $1,000 5598.73
Go
Restrictions
0.35% $1,000 5609.70
0.35% $10,000 5589.23
Texas
Restrictions
0.05% $1,000 5608.25
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 2019

Credit union certificates of deposit (“CDs”, also commonly called “time deposits�t 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. {hyperlink: https://www.bestcashcow.com/articles/can-you-always-withdraw-your-money-early-from-a-cd-9178}

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  {insert hyperlink} in order to understand the importance of compounding interest at higher rates on your money over time.

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