Best Credit Union 18 Month CD Rates in Live Oak, Texas, TX

You are viewing rates from credit unions across Live Oak

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

Live Oak, TX - August 7, 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 Uptown Dallas 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 Fcu Branch Restrictions	4.63% 4.13%	$50,000 $1,000	-	Learn More Add Review
Credit Human Fallbrook 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 South Longview Branch Restrictions	4.30% 4.25%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.70% → 4.30%
Shell Deer Park 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 Baytown 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 Shoal Creek 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 Texas Branch Restrictions	4.05%	$1,000	-	Learn More Add Review
Rate History: 4.40% → 4.30% → 4.25% → 4.10% → 4.05%
Randolph-brooks Creswell Admin Service Center 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 Hurst Branch Restrictions	3.95%	$95,000	-	Learn More Add Review
Velocity Main Branch Restrictions	3.95%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 4.30% → 4.15% → 4.00% → 3.95%
Navy Federal Credit Union Fort Bliss 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 Administration Office Branch Restrictions	3.85% 3.75%	$100,000 $1,000	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 3.85%
Premier America Rankin Center Branch Restrictions	3.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 4.00% → 3.75%
A+ South 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 Hurst Branch Restrictions	3.70%	$1,000	-	Learn More Add Review
Texas Dow Employees Tdecu-lake Jackson 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)
Wellby Main 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 Viscount 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 Fort Hood 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 Corporate Headquarters Branch Restrictions	3.20%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 3.80% → 4.10% → 3.70% → 3.20%
Members Choice Corporate Office Branch Restrictions	3.00%	$500	-	Learn More Add Review
Rate History: 2.73% → 2.75% → 2.00% → 3.00%
First Community Alief 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 Group Federal Credit Union Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 4.15% → 3.75% → 3.50% → 3.25% → 2.75%
Security First Mcallen 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 Humble Branch Restrictions	1.75%	$500	-	Learn More Add Review
Evolve Main Branch Restrictions	1.71%	$500	-	Learn More Add Review
1st University 1st University Credit Union Branch	1.25%	$10,000	-	Learn More Add Review
Houston Texas Fire Fighters Houston Texas Fire Fighters Fcu Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
Doches Main Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Firstlight Marshall Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Gulf Coast Rodd Field Branch Restrictions	1.15%	$500	-	Learn More Add Review
Texas Tech Main 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 Sagu Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Sabine Main Office Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Houston Hfcu Branch Restrictions	1.07%	$100,000	-	Learn More Add Review
Houston Texas Fire Fighters Houston Texas Fire Fighters Fcu Branch Restrictions	1.06%	$10,000	-	Learn More Add Review
Kelly Community Kelly Community Fcu Branch 4 Restrictions	1.06%	$10,000	-	Learn More Add Review
Firstlight Marshall Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Walker County Walker County Fcu Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Westex Westex Federal Credit Union Branch Restrictions	1.04%	$100,000	-	Learn More Add Review
Union Square Downtown Office Branch Restrictions	1.01%	$1,000	-	Learn More Add Review
Greater Texas Gtfcu Branch Restrictions	1.01%	$100,000	-	Learn More Add Review
Wichita Falls Teachers Wichita Falls Teachers Federal Credit Union Branch Restrictions	1.00%	$1,000	-	Learn More Add Review
Texar Texarkana 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 Decker Branch Restrictions	0.95%	$100	-	Learn More Add Review
Border Main Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Houston Hfcu 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 Pasadena Office Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Greater Texas Gtfcu Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Southwest Airlines Dallas Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Rocket Rocket Federal Credit Union Branch	0.90%	$100,000	-	Learn More Add Review
Border Main Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Texell Home Office Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Generations Community Headquarters 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 Midtown Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Cal-com Cal-com Federal Credit Union Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Community Service Community Service Credit Union Branch Restrictions	0.86%	$10,000	-	Learn More Add Review
Living In Fulfillment Everyday Life Fcu Branch Restrictions	0.85%	$26	-	Learn More Add Review
Pantex Main Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Alliance Main Office Branch	0.85%	$10,000	-	Learn More Add Review
Energy One Dallas Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Members Choice Of Central Texas Marlin Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
East Texas Professional Longview Main Branch Restrictions	0.85%	$1,000	-	Learn More Add Review
First Service Clinton- Closed As Of Feb 24, 2017 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 Main Office Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Generations Community Headquarters 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 Main Office Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Amarillo Community Amarillo Community Fcu Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Education I-40 Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Southwest Airlines Dallas Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Together Houston Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Service 1st Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
United Heritage Mopac Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Dugood Administration Bldg Branch Restrictions	0.80%	$1,000	-	Learn More Add Review
Firstmark Gold Canyon Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Associated Credit Union Of Texas La Marque Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Southwest Research Center Main Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Texasgulf 2101 N Fulton Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Santa Fe Dowtown Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Postel Family Broad 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 Fcu Branch	0.75%	$10,000	-	Learn More Add Review
Energy One Dallas Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
First Service Clinton- Closed As Of Feb 24, 2017 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 Federal Credit Union 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 Corporate Office Branch Restrictions	0.70%	$2,500	-	Learn More Add Review
Relyon Employees Credit Union Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Firstmark Gold Canyon Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Associated Credit Union Of Texas La Marque Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Alamo City Credit Union Office Branch Restrictions	0.70%	$5,000	-	Learn More Add Review
People's Trust Corporate Headquarters Branch Restrictions	0.66%	$100,000	-	Learn More Add Review
Justice Houston Dea Branch #17 Restrictions	0.65%	$100,000	-	Learn More Add Review
Intouch Mcdermott Branch Restrictions	0.65%	$1,000	-	Learn More Add Review
Gulf Groves Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Texas Bay Main Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Wellspring Bridge City Branch Restrictions	0.62%	$10,000	-	Learn More Add Review
Tex Mex Tex Mex Credit Union (main) Branch	0.60%	$10,000	-	Learn More Add Review
Access Community Main Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Rocket Rocket Federal Credit Union Branch	0.60%	$10,000	-	Learn More Add Review
Xceed Financial Branch 40 Restrictions	0.60%	$10,000	-	Learn More Add Review
Unity One Campus Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
People's Trust Corporate Headquarters Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Memorial Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Valley Main Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Houston Police Memorial Branch Restrictions	0.56%	$1,000	-	Learn More Add Review
Justice Houston Dea Branch #17 Restrictions	0.55%	$10,000	-	Learn More Add Review
Caprock Main Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Centex Citizens Centex Citizens Credit Union Main Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
America's Corporate Office Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Members Cleburne Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
One Source Main Office Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Mid-tex Main Branch	0.55%	$10,000	-	Learn More Add Review
United Community Galena Park Financial Center Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Altra Altra Federal Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Cooperative Teachers Cooperative Teachers Credit Union Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Laredo Main Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
F A A Houston Branch Restrictions	0.48%	$50,000	-	Learn More Add Review
F A A Houston Branch Restrictions	0.45%	$500	-	Learn More Add Review
Mesquite Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
One Source Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Communities Of Abilene Main Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Secured Advantage Iowa Park Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Abilene Teachers North 6th Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Mobiloil Delaware Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
4u Nascoga Fcu Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
America's Corporate Office Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Texas Bay Main Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Go Corporate Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Gulf Coast Educators Pasadena Office Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Truity Houston Phillips 66 World Hq Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Hereford Texas Hereford Texas Federal Credit Union Branch Restrictions	0.25%	$1,000	-	Learn More Add Review
Texans Main Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
My Watauga Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Abilene Teachers North 6th Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Chocolate Bayou Community Alvin Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Texas Downtown Dallas Office 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 10007

Branch	Street	City	State
EECU Eecu Eecu Branch	1617 W 7th St	Fort Worth	TX
EECU Eecu Eecu Branch	1617 W 7th St	Fort Worth	TX
INVESTEX Investex Credit Union Investex Credit Union Branch	905 Aldine Bender Rd	Houston	TX
ADVANCIAL Uptown Dallas Uptown Dallas Branch	1845 Woodall Rodgers Fwy	Dallas	TX
STAR OF TEXAS Star Of Texas Credit Union Star Of Texas Credit Union Branch	114 E Huntland Dr.	Austin	TX
ADVANCIAL Uptown Dallas Uptown Dallas Branch	1845 Woodall Rodgers Fwy	Dallas	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu 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 Uptown Dallas Uptown Dallas Branch	1845 Woodall Rodgers Fwy	Dallas	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
EECU Eecu Eecu Branch	1617 W 7th St	Fort Worth	TX
INVESTEX Investex Credit Union Investex Credit Union Branch	905 Aldine Bender Rd	Houston	TX
EASTMAN South Longview South Longview Branch	149 Kodak Blvd	Longview	TX
EASTMAN South Longview South Longview Branch	149 Kodak Blvd	Longview	TX
SHELL Deer Park Deer Park Branch	301 E 13th St	Deer Park	TX
BAYER HERITAGE Baytown Baytown Branch	8500 W Bay Rd # 32	Baytown	TX
TEXAS PEOPLE Texas People Fcu Texas People Fcu Branch	4613 Wellesley Ave	Fort Worth	TX
AUSTIN TELCO Shoal Creek Shoal Creek Branch	8929 Shoal Creek Blvd	Austin	TX
BAYER HERITAGE Baytown Baytown Branch	8500 W Bay Rd # 32	Baytown	TX
CREDIT UNION OF TEXAS Credit Union Of Texas Credit Union Of Texas Branch	8131 Lyndon B Johnson Fwy Ste 500	Dallas	TX
AUSTIN TELCO Shoal Creek Shoal Creek Branch	8929 Shoal Creek Blvd	Austin	TX
SHELL Deer Park Deer Park Branch	301 E 13th St	Deer Park	TX
RANDOLPH-BROOKS Creswell Admin Service Center Creswell Admin Service Center Branch	1 Randolph Brooks Pkwy	Live Oak	TX
TARRANT COUNTY'S CREDIT UNION Hurst Branch Hurst Branch	645 Grapevine Hwy Ste 130	Hurst	TX
VELOCITY Main Branch Main Branch	610 E 11th St	Austin	TX
AUSTIN TELCO Shoal Creek Shoal Creek Branch	8929 Shoal Creek Blvd	Austin	TX
NAVY FEDERAL CREDIT UNION Fort Bliss Fort Bliss Branch	4717 Hondo Pass Dr Ste A	El Paso	TX
NECHES Administration Office Administration Office Branch	776 Magnolia Ave	Port Neches	TX
NAVY FEDERAL CREDIT UNION Fort Bliss Fort Bliss Branch	4717 Hondo Pass Dr Ste A	El Paso	TX
PREMIER AMERICA Rankin Center Rankin Center Branch	2001 Rankin Rd	Houston	TX
NECHES Administration Office Administration Office Branch	776 Magnolia Ave	Port Neches	TX
A+ South Branch South Branch	1402 W Stassney LN	Austin	TX
TARRANT COUNTY'S CREDIT UNION Hurst Branch Hurst Branch	645 Grapevine Hwy Ste 130	Hurst	TX
TEXAS DOW EMPLOYEES Tdecu-lake Jackson Tdecu-lake Jackson Branch	1001 FM 2004 Rd	Lake Jackson	TX
JSC Main Branch Main Branch	1330 Gemini St	Houston	TX
TEXAS DOW EMPLOYEES Tdecu-lake Jackson Tdecu-lake Jackson Branch	1001 FM 2004 Rd	Lake Jackson	TX
GECU Viscount Viscount Branch	7227 Viscount Blvd	El Paso	TX
PENTAGON Fort Hood Fort Hood Branch	761 Tank Battalion	Fort Hood	TX
SOARION Corporate Headquarters Corporate Headquarters Branch	1560 Cable Ranch Rd Ste 200	San Antonio	TX
MEMBERS CHOICE Corporate Office Corporate Office Branch	14960 Park Row Dr # Bv	Houston	TX
FIRST COMMUNITY Alief Alief Branch	3200 S Dairy Ashford Rd	Houston	TX
FIRST COMMUNITY Alief Alief Branch	3200 S Dairy Ashford Rd	Houston	TX
FARMERS INSURANCE Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch	15700 Long Vista Dr	Austin	TX
SECURITY FIRST Mcallen Branch Mcallen Branch	3700 N 12th St	McAllen	TX
SECURITY FIRST Mcallen Branch Mcallen Branch	3700 N 12th St	McAllen	TX
SECURITY FIRST Mcallen Branch Mcallen Branch	3700 N 12th St	McAllen	TX
SECURITY FIRST Mcallen Branch Mcallen Branch	3700 N 12th St	McAllen	TX
CHARTWAY Humble Humble Branch	9441 FM 1960 Bypass Rd W Ste 100	Humble	TX
EVOLVE Main Branch Main Branch	8840 Gazelle Dr	El Paso	TX
SECURITY FIRST Mcallen Branch Mcallen Branch	3700 N 12th St	McAllen	TX
1ST UNIVERSITY 1st University Credit Union 1st University Credit Union Branch	24 La Salle Ave unit C	Waco	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Houston Texas Fire Fighters Fcu Branch	3030 Cullen Blvd Ste 111	Pearland	TX
DOCHES Main Office Main Office Branch	920 NW Stallings Dr	Nacogdoches	TX
FIRSTLIGHT Marshall Branch Marshall Branch	1741 Marshall Rd	El Paso	TX
GULF COAST Rodd Field Rodd Field Branch	2633 Rodd Field Rd	Corpus Christi	TX
TEXAS TECH Main Branch Main Branch	1802 Texas Tech Parkway	Lubbock	TX
WHITE SANDS El Paso El Paso Branch	4545 Hondo Pass Dr	El Paso	TX
ASSEMBLIES OF GOD Sagu Branch Sagu Branch	1123 Sycamore St	Waxahachie	TX
SABINE Main Office Main Office Branch	1939 Strickland Dr	Orange	TX
HOUSTON Hfcu Hfcu Branch	16320 Kensington Dr	Sugar Land	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Houston Texas Fire Fighters Fcu Branch	3030 Cullen Blvd Ste 111	Pearland	TX
KELLY COMMUNITY Kelly Community Fcu Branch 4 Kelly Community Fcu Branch 4	2105 W Grande Blvd	Tyler	TX
FIRSTLIGHT Marshall Branch Marshall Branch	1741 Marshall Rd	El Paso	TX
WALKER COUNTY Walker County Fcu Walker County Fcu Branch	1802 Normal Park Dr	Huntsville	TX
WESTEX Westex Federal Credit Union Westex Federal Credit Union Branch	901 Avenue Q	Lubbock	TX
UNION SQUARE Downtown Office Downtown Office Branch	1401 Holliday St	Wichita Falls	TX
GREATER TEXAS Gtfcu Gtfcu Branch	6411 N Lamar Blvd	Austin	TX
WICHITA FALLS TEACHERS Wichita Falls Teachers Federal Credit Union Wichita Falls Teachers Federal Credit Union Branch	4301 Barnett Rd	Wichita Falls	TX
TEXAR Texarkana Texarkana Branch	2301 RICHMOND RD	TEXARKANA	TX
WHITE SANDS El Paso El Paso Branch	4545 Hondo Pass Dr	El Paso	TX
COMMUNITY RESOURCE Decker Branch Decker Branch	2900 Decker Dr	Baytown	TX
BORDER Main Branch Main Branch	2211 N BEDELL AVE	Del Rio	TX
HOUSTON Hfcu Hfcu Branch	16320 Kensington Dr	Sugar Land	TX
LINKAGE Linkage Credit Union Linkage Credit Union Branch	4527 SPEIGHT AVE	WACO	TX
GULF COAST EDUCATORS Pasadena Office Pasadena Office Branch	5953 Fairmont Pkwy	Pasadena	TX
GREATER TEXAS Gtfcu Gtfcu Branch	6411 N Lamar Blvd	Austin	TX
SOUTHWEST AIRLINES Dallas Branch Dallas Branch	2430 Shorecrest Dr	Dallas	TX
ROCKET Rocket Federal Credit Union Rocket Federal Credit Union Branch	905 W McGregor Dr	Mc Gregor	TX
BORDER Main Branch Main Branch	2211 N BEDELL AVE	Del Rio	TX
TEXELL Home Office Home Office Branch	17 S 1st St	Temple	TX
GENERATIONS COMMUNITY Headquarters Headquarters Branch	9311 San Pedro Ave Ste 1100	San Antonio	TX
PRIMEWAY Midtown Midtown Branch	2503 Bagby St	Houston	TX
CAL-COM Cal-com Federal Credit Union Cal-com Federal Credit Union Branch	3802 N Navarro St	Victoria	TX
COMMUNITY SERVICE Community Service Credit Union Community Service Credit Union Branch	250 FM 2821 Rd W	Huntsville	TX
LIVING IN FULFILLMENT EVERYDAY Life Fcu Life Fcu Branch	3351 Unicorn Lake Blvd	Denton	TX
PANTEX Main Office Main Office Branch	1300 W Wilson St	Borger	TX
ALLIANCE Main Office Main Office Branch	8401 Quaker Ave	Lubbock	TX
ENERGY ONE Dallas Dallas Branch	5005 Lbj Fwy	Dallas	TX
MEMBERS CHOICE OF CENTRAL TEXAS Marlin Branch Marlin Branch	212 Virginia Ave	Marlin	TX
EAST TEXAS PROFESSIONAL Longview Main Longview Main Branch	409 E Loop 281	Longview	TX
FIRST SERVICE Clinton- Closed As Of Feb 24, 2017 Clinton- Closed As Of Feb 24, 2017 Branch	4101 Clinton Dr	Houston	TX
RIVERLAND Woodlands Branch Woodlands Branch	10055 Grogans Mill Rd	The Woodlands	TX
SOUTHWEST RESEARCH CENTER Main Office Main Office Branch	7215 Culebra Rd	San Antonio	TX
GENERATIONS COMMUNITY Headquarters Headquarters Branch	9311 San Pedro Ave Ste 1100	San Antonio	TX
FIRST CLASS AMERICAN 2595 Polaris 2595 Polaris Branch	2595 Polaris Dr	Fort Worth	TX
CAPROCK Main Office Main Office Branch	709 N 1ST ST	LAMESA	TX
ACFCU Amarillo Community Fcu Amarillo Community Fcu Branch	6100 W Interstate 40	Amarillo	TX
EDUCATION I-40 Branch I-40 Branch	4400 W Interstate 40	Amarillo	TX
SOUTHWEST AIRLINES Dallas Branch Dallas Branch	2430 Shorecrest Dr	Dallas	TX
TOGETHER Houston Houston Branch	775 Gellhorn Dr	Houston	TX
SERVICE 1ST Main Office Main Office Branch	10001 Jack Finney Blvd	Greenville	TX
UNITED HERITAGE Mopac Mopac Branch	12208 N Mo Pac Expy	Austin	TX
DUGOOD Administration Bldg Administration Bldg Branch	7505 Eastex Fwy Ste B	Beaumont	TX
FIRSTMARK Gold Canyon Branch Gold Canyon Branch	2023 Gold Canyon Rd	San Antonio	TX
ASSOCIATED CREDIT UNION OF TEXAS La Marque La Marque Branch	920 1st St	La Marque	TX
SOUTHWEST RESEARCH CENTER Main Office Main Office Branch	7215 Culebra Rd	San Antonio	TX
TEXASGULF 2101 N Fulton 2101 N Fulton Branch	2101 N Fulton st	Wharton	TX
SANTA FE Dowtown Branch Dowtown Branch	1422 S HARRISON ST	AMARILLO	TX
POSTEL FAMILY Broad Broad Branch	1300 Broad St	Wichita Falls	TX
FIRST CLASS AMERICAN 2595 Polaris 2595 Polaris Branch	2595 Polaris Dr	Fort Worth	TX
SAN ANGELO San Angelo Fcu San Angelo Fcu Branch	235 W 1ST ST	SAN ANGELO	TX
ENERGY ONE Dallas Dallas Branch	5005 Lbj Fwy	Dallas	TX
FIRST SERVICE Clinton- Closed As Of Feb 24, 2017 Clinton- Closed As Of Feb 24, 2017 Branch	4101 Clinton Dr	Houston	TX
CAL-COM Cal-com Federal Credit Union Cal-com Federal Credit Union Branch	3802 N Navarro St	Victoria	TX
NORTH EAST TEXAS Lone Star Office Lone Star Office Branch	1115 Lone Star Blvd	Lone Star	TX
NEIGHBORHOOD Corporate Office Corporate Office Branch	13649 Montfort Dr	Dallas	TX
RELYON Employees Credit Union Employees Credit Union Branch	8989 Harry Hines Blvd	Dallas	TX
FIRSTMARK Gold Canyon Branch Gold Canyon Branch	2023 Gold Canyon Rd	San Antonio	TX
ASSOCIATED CREDIT UNION OF TEXAS La Marque La Marque Branch	920 1st St	La Marque	TX
ALAMO CITY Credit Union Office Credit Union Office Branch	4801 NW Loop 410 Ste 100	San Antonio	TX
PEOPLE'S TRUST Corporate Headquarters Corporate Headquarters Branch	413 Bastrop St	Houston	TX
JUSTICE Houston Dea Branch #17 Houston Dea Branch #17	1433 West Loop S	Houston	TX
INTOUCH Mcdermott Mcdermott Branch	2201 McDermott Rd	Plano	TX
GULF Groves Groves Branch	5140 W Parkway St	Groves	TX
TEXAS BAY Main Main Branch	12611 Fuqua St	Houston	TX
WELLSPRING Bridge City Branch Bridge City Branch	150 E Round Bunch Rd	Bridge City	TX
TEX MEX Tex Mex Credit Union (main) Tex Mex Credit Union (main) Branch	1420 Cedar Ave	Laredo	TX
ACCESS COMMUNITY Main Office Main Office Branch	6401 Bell St	Amarillo	TX
ROCKET Rocket Federal Credit Union Rocket Federal Credit Union Branch	905 W McGregor Dr	Mc Gregor	TX
XCEED FINANCIAL Branch 40 Branch 40	1660 S Stemmons Fwy Ste 140	Lewisville	TX
UNITY ONE Campus Branch Campus Branch	6701 Burlington Blvd	Fort Worth	TX
PEOPLE'S TRUST Corporate Headquarters Corporate Headquarters Branch	413 Bastrop St	Houston	TX
HOUSTON POLICE Memorial Branch Memorial Branch	1600 Memorial Dr	Houston	TX
VALLEY Main Office Main Office Branch	PO Box 4700	Brownsville	TX
HOUSTON POLICE Memorial Branch Memorial Branch	1600 Memorial Dr	Houston	TX
JUSTICE Houston Dea Branch #17 Houston Dea Branch #17	1433 West Loop S	Houston	TX
CAPROCK Main Office Main Office Branch	709 N 1ST ST	LAMESA	TX
CENTEX CITIZENS Centex Citizens Credit Union Main Office Centex Citizens Credit Union Main Office Branch	Centex Citizens Credit Union	Mexia	TX
AMERICA'S Corporate Office Corporate Office Branch	2154 FOREST LN	GARLAND	TX
MEMBERS Cleburne Branch Cleburne Branch	827 N Main St	Cleburne	TX
ONE SOURCE Main Office Main Office Branch	8870 Gazelle Dr	El Paso	TX
MID-TEX Main Main Branch	3808 HIGHWAY 377 S	BROWNWOOD	TX
UNITED COMMUNITY Galena Park Financial Center Galena Park Financial Center Branch	1700 16th St	Galena Park	TX
ALTRA Altra Federal Credit Union Altra Federal Credit Union Branch	5523 TROUP HWY	TYLER	TX
COOPERATIVE TEACHERS Cooperative Teachers Credit Union Cooperative Teachers Credit Union Branch	1424 W Southwest Loop 323	Tyler	TX
LAREDO Main Office Main Office Branch	1119 Corpus Christi St	Laredo	TX
F A A Houston Branch Houston Branch	16600 John F Kennedy Blvd	Houston	TX
F A A Houston Branch Houston Branch	16600 John F Kennedy Blvd	Houston	TX
MESQUITE Main Office Main Office Branch	1510 N Galloway Ave	Mesquite	TX
ONE SOURCE Main Office Main Office Branch	8870 Gazelle Dr	El Paso	TX
COMMUNITIES OF ABILENE Main Main Branch	3661 N 6th St	Abilene	TX
SECURED ADVANTAGE Iowa Park Iowa Park Branch	1301 W Magnolia Ave	Iowa Park	TX
ABILENE TEACHERS North 6th North 6th Branch	2801 N 6th St	Abilene	TX
MOBILOIL Delaware Branch Delaware Branch	1810 N Major Dr	Beaumont	TX
4U Nascoga Fcu Nascoga Fcu Branch	1312 Lawrence St	Gainesville	TX
AMERICA'S Corporate Office Corporate Office Branch	2154 FOREST LN	GARLAND	TX
TEXAS BAY Main Main Branch	12611 Fuqua St	Houston	TX
GO Corporate Office Corporate Office Branch	10501 N Central Expy Ste 300	Dallas	TX
GULF COAST EDUCATORS Pasadena Office Pasadena Office Branch	5953 Fairmont Pkwy	Pasadena	TX
TRUITY Houston Phillips 66 World Hq Houston Phillips 66 World Hq Branch	2331 Citywest Blvd # S143	Houston	TX
HEREFORD TEXAS Hereford Texas Federal Credit Union Hereford Texas Federal Credit Union Branch	330 Schley Ave	Hereford	TX
TEXANS Main Office Main Office Branch	777 E Campbell Rd	Richardson	TX
MY Watauga Watauga Branch	5744 Watauga Rd	Watauga	TX
ABILENE TEACHERS North 6th North 6th Branch	2801 N 6th St	Abilene	TX
CHOCOLATE BAYOU COMMUNITY Alvin Alvin Branch	1301 Highway 35 Byp N	Alvin	TX
TEXAS Downtown Dallas Office Downtown Dallas Office Branch	1100 Commerce St Ste 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.

SAVINGS & CD CALCULATOR

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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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