Texas

Image Courtesy: www.pixabay.com

You are viewing rates across Texas


Credit Union CD Rates – 2-Year – Texas 2019

Below are two year Certificates of Deposit (CD) rates from credit unions located in Texas. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

TX - May 25, 2019

2 Year CD National Average : 1.31% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
Fivepoint
Restrictions
3.05% $25,000 -
First Community
Restrictions
3.00% $100,000 -
Gulf Coast
Restrictions
2.95% $500 -
Advancial
Restrictions
2.92% $50,000 -
Texas Bay
Restrictions
2.90% $1,000 -
2.90% $95,000 -
Go
Restrictions
2.85% $1,000 -
University
Restrictions
2.85% $100,000 -
Jsc
Restrictions
2.85% $100,000 -
Energy Capital
Restrictions
2.78% $1,000 -
Cal-com
Restrictions
2.75% $500 -
First Community
Restrictions
2.75% $500 -
2.75% $1,000 -
2.75% $100,000 -
Advancial
Restrictions
2.71% $1,000 -
River City
Restrictions
2.70% $100,000 -
2.70% $1,000 -
Alliant
Restrictions
2.70% $1,000 -
First Service
Restrictions
2.70% $50,000 -
Members Choice
Restrictions
2.70% $50,000 -
2.69% $1,000 -
Energy Capital
Restrictions
2.68% $1,000 -
Jsc
Restrictions
2.65% $500 -
River City
Restrictions
2.65% $1,000 -
2.65% $1,000 -
Credit Human
Restrictions
2.65% $1,000 -
Barksdale
Restrictions
2.63% $1,000 -
2.63% $10,000 -
Investex
Restrictions
2.63% $50,000 -
Energy Capital
Restrictions
2.63% $1,000 -
2.63% $50,000 -
Members Choice
Restrictions
2.60% $500 -
Mil-way
Restrictions
2.60% $2,500 -
University
Restrictions
2.60% $1,000 -
Greater Texas
Restrictions
2.60% $95,000 -
Chevron
Restrictions
2.60% $500 -
First Technology
Restrictions
2.60% $50,000 -
2.60% $50,000 -
2.58% $1,000 -
2.58% $500 -
Austin Telco
Restrictions
2.57% $95,000 -
Westex
Restrictions
2.57% $10,000 -
Firstlight
Restrictions
2.56% $100,000 -
Beacon
Restrictions
2.55% $1,000 -
Shell
Restrictions
2.55% $100,000 -
Texell
Restrictions
2.55% $1,000 -
Pentagon
Restrictions
2.55% $1,000 -
Investex
Restrictions
2.53% $1,000 -
2.53% $1,000 -
Smart Financial
Restrictions
2.53% $90,000 -
Mobiloil
Restrictions
2.53% $1,000 -
Amoco
Restrictions
2.53% $100,000 -
A+
Restrictions
2.53% $1,000 -
2.53% $1,000 -
Shared Resources
Restrictions
2.52% $5,000 -
2.50% $1,000 -
2.50% $10,000 -
Xceed Financial
Restrictions
2.50% $500 -
Shell
Restrictions
2.50% $500 -
2.50% $10,000 -
Security Service
Restrictions
2.50% $100,000 -
2.50% $100,000 -
First Technology
Restrictions
2.50% $500 -
American Airlines
Restrictions
2.48% $10,000 -
Pantex
Restrictions
2.48% $2,500 -
Synergy
Restrictions
2.48% $1,000 -
Santa Fe
Restrictions
2.48% $500 -
Austin Telco
Restrictions
2.47% $1,000 -
2.45% $500 -
Intouch
Restrictions
2.45% $1,000 -
Randolph-brooks
Restrictions
2.43% $5,000 -
2.43% $500 -
Amoco
Restrictions
2.43% $1,000 -
United Community
Restrictions
2.42% $1,000 -
2.42% $10,000 -
Houston
Restrictions
2.40% $500 -
Security Service
Restrictions
2.40% $500 -
Endurance
Restrictions
2.40% $99,000 -
2.40% $10,000 -
2.40% $1,000 -
Texoma Educators
Restrictions
2.39% $10,000 -
Smart Financial
Restrictions
2.38% $1,000 -
2.38% $1,000 -
Datcu
Restrictions
2.38% $1,000 -
Texas Tech
Restrictions
2.38% $1,000 -
2.37% $10,000 -
Velocity
Restrictions
2.37% $1,000 -
Firstlight
Restrictions
2.36% $500 -
2.36% $50,000 -
2.35% $500 -
Truwest
Restrictions
2.35% $500 -
Eecu
Restrictions
2.35% $50,000 -
2.35% $1,000 -
Greater Texas
Restrictions
2.35% $1,000 -
City
Restrictions
2.35% $2,500 -
Domino
Restrictions
2.34% $500 -
2.32% $1,000 -
North East Texas
Restrictions
2.32% $1,000 -
Justice
Restrictions
2.30% $100,000 -
Eastman
Restrictions
2.30% $1,000 -
Truity
Restrictions
2.30% $500 -
Eecu
Restrictions
2.30% $1,000 -
2.30% $100,000 -
Air Force
Restrictions
2.30% $100,000 -
2.27% $1,000 -
White Sands
Restrictions
2.27% $25,000 -
The People's
Restrictions
2.27% $5,000 -
Great Plains
Restrictions
2.27% $10,000 -
Gecu
Restrictions
2.27% $50,000 -
Cy-fair
Restrictions
2.27% $100,000 -
2.25% $500 -
Texas Trust
Restrictions
2.25% $500 -
City
Restrictions
2.25% $1,000 -
Endurance
Restrictions
2.25% $10,000 -
Windthorst
Restrictions
2.22% $1,000 -
2.22% $1,000 -
One Source
Restrictions
2.22% $50,000 -
People's Trust
Restrictions
2.22% $10,000 -
2.22% $5,000 -
Justice
Restrictions
2.20% $500 -
2.20% $10,000 -
Unify Financial
Restrictions
2.20% $100,000 -
Security Service
Restrictions
2.20% $100,000 -
Access Community
Restrictions
2.20% $5,000 -
2.20% $1,000 -
Abilene Teachers
Restrictions
2.17% $100,000 -
Gecu
Restrictions
2.17% $1,000 -
White Sands
Restrictions
2.17% $1,000 -
Air Force
Restrictions
2.15% $2,500 -
Premier America
Restrictions
2.15% $10,000 -
2.15% $10,000 -
One Source
Restrictions
2.12% $500 -
Texar
Restrictions
2.12% $1,000 -
Geico
Restrictions
2.12% $1,000 -
Membersource
Restrictions
2.10% $500 -
Fort Worth City
Restrictions
2.10% $1,000 -
Security Service
Restrictions
2.10% $500 -
Energy One
Restrictions
2.10% $100,000 -
Unify Financial
Restrictions
2.05% $1,000 -
Kelly Community
Restrictions
2.02% $1,000 -
Ep
Restrictions
2.02% $1,000 -
Educators
Restrictions
2.02% $1,000 -
Union Square
Restrictions
2.02% $1,000 -
Cy-fair
Restrictions
2.02% $5,000 -
Bp
Restrictions
2.02% $1,000 -
Bayer Heritage
Restrictions
2.02% $500 -
2.02% $10,000 -
Centex Citizens
Restrictions
2.02% $1,000 -
Genco
Restrictions
2.01% $1,000 -
Texoma Community
Restrictions
2.00% $1,000 -
Energy One
Restrictions
2.00% $1,000 -
Chemcel
Restrictions
2.00% $75,000 -
Dugood
Restrictions
1.97% $100,000 -
Abilene Teachers
Restrictions
1.97% $500 -
Security Service
Restrictions
1.95% $100,000 -
Resource One
Restrictions
1.95% $90,000 -
1.92% $10,000 -
Firstmark
Restrictions
1.90% $100,000 -
Chemcel
Restrictions
1.90% $1,000 -
Texas Bridge
Restrictions
1.86% $25,000 -
Resource One
Restrictions
1.85% $500 -
Security Service
Restrictions
1.85% $500 -
Kerr County
Restrictions
1.82% $1,000 -
Postel Family
Restrictions
1.82% $1,000 -
1.81% $1,000 -
Nascoga
Restrictions
1.81% $1,000 -
Neches
Restrictions
1.81% $1,000 -
Southland
Restrictions
1.81% $10,000 -
Firstmark
Restrictions
1.80% $500 -
Delta Community
Restrictions
1.80% $1,000 -
Mtcu
Restrictions
1.78% $99,000 -
Community Service
Restrictions
1.76% $1,000 -
1.76% $1,000 -
1.76% $1,000 -
1.76% $100,000 -
Capitol
Restrictions
1.75% $1,000 -
Concho Educators
Restrictions
1.75% $500 -
Security Service
Restrictions
1.75% $100,000 -
Dugood
Restrictions
1.71% $1,000 -
Education First
Restrictions
1.71% $500 -
Fivepoint
Restrictions
1.71% $99,000 -
1.71% $1,000 -
Mtcu
Restrictions
1.68% $1,000 -
Assemblies Of God
Restrictions
1.66% $10,000 -
Security Service
Restrictions
1.65% $500 -
Members First
Restrictions
1.61% $500 -
1.61% $1,000 -
Border
Restrictions
1.60% $100,000 -
First Central
Restrictions
1.60% $1,000 -
Doches
Restrictions
1.60% $2,000 -
Lufkin
Restrictions
1.56% $10,000 -
United Heritage
Restrictions
1.55% $1,000 -
F A A
Restrictions
1.53% $50,000 -
Fivepoint
Restrictions
1.51% $1,000 -
Texans
Restrictions
1.51% $1,000 -
1.51% $25,000 -
1.51% $1,000 -
Baxter
Restrictions
1.50% $500 -
Members
Restrictions
1.50% $1,000 -
Border
Restrictions
1.50% $10,000 -
F A A
Restrictions
1.50% $500 -
Wellspring
Restrictions
1.46% $1,000 -
1.45% $100,000 -
Altra
Restrictions
1.45% $100,000 -
Riverland
Restrictions
1.45% $10,000 -
1.42% $1,000 -
H E B
Restrictions
1.42% $10,000 -
1.41% $1,000 -
1.41% $1,000 -
Valley
Restrictions
1.36% $10,000 -
1.36% $1,000 -
Rockdale
Restrictions
1.36% $1,000 -
1.36% $500 -
1.35% $1,000 -
1.31% $1,000 -
Primeway
Restrictions
1.30% $1,000 -
1.30% $2,500 -
Security First
Restrictions
1.26% $100,000 -
1.26% $1,000 -
1st Community
Restrictions
1.26% $1,000 -
Altra
Restrictions
1.25% $1,000 -
1.21% $1,000 -
1.21% $500 -
First Abilene
Restrictions
1.20% $1,000 -
1.16% $500 -
Walker County
Restrictions
1.15% $1,000 -
Southwest 66
Restrictions
1.11% $1,000 -
First Basin
Restrictions
1.10% $1,000 -
1.10% $1,000 -
1.06% $75,000 -
1.01% $1,000 -
1.00% $1,000 -
1.00% $500 -
1.00% $1,000 -
Security First
Restrictions
1.00% $1,000 -
Golden Triangle
Restrictions
1.00% $1,000 -
1.00% $1,000 -
0.95% $10,000 -
Gulf
Restrictions
0.90% $500 -
0.90% $1,000 -
0.90% $500 -
Secured Advantage
Restrictions
0.90% $500 -
0.80% $1,000 -
0.75% $1,000 -
Citizens
Restrictions
0.75% $90,000 -
Laredo
Restrictions
0.60% $1,000 -
Go
Restrictions
0.60% $99,000 -
Members Financial
Restrictions
0.55% $50,000 -
Members Financial
Restrictions
0.45% $10,000 -
0.40% $2,500 -
Go
Restrictions
0.40% $1,000 -
0.35% $10,000 -
Citizens
Restrictions
0.35% $5,000 -
Heritage Usa
Restrictions
0.30% $500 -
West Texas
Restrictions
0.25% $1,000 -
Texas
Restrictions
0.05% $5,000 -
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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

CD Products by State