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Credit Union CD Rates – 2-Year – Carrollton, Texas

You are viewing rates from credit unions across Carrollton





Below are two year Certificates of Deposit (CD) rates from credit unions located in Carrollton, 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.

Carrollton, TX - August 1, 2025

2 Year CD National Average : 0.66% ?

Credit Unions APY MIN MILES ?

Rate History: 4.95% → 4.94%

4.00%

$95,000

16.70

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Rate History: 2.99% → 3.92%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 4.35% → 4.15% → 3.95% → 3.85% → 3.80%

3.75%

$1,000

16.70

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Rate History: 4.25% → 4.00% → 3.90% → 3.80% → 3.70%

Rate History: 3.76% → 3.82% → 3.52%

Rate History: 5.00% → 4.50% → 4.25% → 3.35%

Rate History: 2.99% → 2.89%

| Jun 12, 2017

five star......great location...fast service Read More

1.30%

$100,000

7.01

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| 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

1.20%

$10,000

7.01

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1.10%

$10,000

17.85

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1.06%

$100,000

22.36

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1.05%

$26

20.50

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1.05%

$10,000

6.32

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1.05%

$100,000

13.99

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1.05%

$10,000

13.12

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1.01%

$10,000

22.14

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1.01%

$10,000

22.36

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1.00%

$10,000

13.34

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1.00%

$10,000

3.83

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0.95%

$10,000

13.99

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0.90%

$100,000

4.31

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0.90%

$10,000

9.31

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0.80%

$10,000

4.31

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0.80%

$10,000

3.15

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0.80%

$10,000

8.45

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0.75%

$500

9.51

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0.70%

$1,000

16.22

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0.70%

$10,000

6.45

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0.70%

$10,000

10.32

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0.70%

$100,000

9.70

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0.70%

$10,000

19.38

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0.70%

$100,000

16.65

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0.65%

$10,000

8.83

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0.65%

$10,000

16.65

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0.60%

$10,000

15.88

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0.60%

$100,000

2.49

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0.55%

$10,000

19.54

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0.55%

$100,000

16.65

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0.55%

$10,000

9.70

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0.45%

$10,000

16.65

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0.40%

$100,000

9.86

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0.40%

$10,000

2.49

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0.30%

$10,000

19.24

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0.30%

$10,000

9.86

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0.30%

$10,000

8.81

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0.25%

$10,000

13.33

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0.05%

$10,000

24.79

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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 Carrollton, TX - August 1, 2025


Branch Street City State
ADVANCIAL
Uptown Dallas Uptown Dallas Branch
1845 Woodall Rodgers Fwy Dallas TX
ADVANCIAL
Uptown Dallas Uptown Dallas Branch
1845 Woodall Rodgers Fwy Dallas TX
ADVANCIAL
Uptown Dallas Uptown Dallas Branch
1845 Woodall Rodgers Fwy Dallas TX
LAS COLINAS
Las Colinas Las Colinas Branch
901 W Walnut Hill Ln Irving TX
RANDOLPH-BROOKS
Plano Plano Branch
1801 Dallas Pkwy Plano TX
TARRANT COUNTY'S CREDIT UNION
Tarrant County Tarrant County Branch
645 Grapevine Hwy. #7 Hurst TX
AMERICAN AIRLINES
Aafcu - Hurst Aafcu - Hurst Branch
656 Grapevine Hwy Hurst TX
CREDIT UNION OF TEXAS
Credit Union Of Texa Credit Union Of Texa Branch
6000 Valley View Lane Irving TX
RANDOLPH-BROOKS
Plano Plano Branch
1801 Dallas Pkwy Plano TX
TARRANT COUNTY'S CREDIT UNION
Tarrant County Tarrant County Branch
645 Grapevine Hwy. #7 Hurst TX
CITY
City City Branch
506 E. Hwy 67 Duncanville TX
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
5910 N. MacArthur Blvd. #140 Irving TX
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
5910 N. MacArthur Blvd. #140 Irving TX
DELTA COMMUNITY
Delta Community Delta Community Branch
100 North Kimball Avenue, Suite 103 Southlake TX
AMERICAN AIRLINES
Aafcu - Hurst Aafcu - Hurst Branch
656 Grapevine Hwy Hurst TX
CHEMCEL
Dallas Office Dallas Office Branch
225 E John Carpenter Fwy Ste 1200 irving TX
MOBILITY CREDIT UNION
Mid-cities Mid-cities Branch
606 Grapevine Hwy Hurst TX
CHEMCEL
Dallas Office Dallas Office Branch
225 E John Carpenter Fwy Ste 1200 irving TX
GREATER TEXAS
Greater Texas Greater Texas Branch
910 Road to Six Flags E. Arlington TX
FORT WORTH COMMUNITY
Fort Worth Community Fort Worth Community Branch
6454 Brentwood Stair Rd. Fort Worth TX
LIVING IN FULFILLMENT EVERYDAY
Members' Choice Members' Choice Branch
1108 Dallas Drive, Suite 315 Denton TX
LIFETIME
Galaxy Plus Galaxy Plus Branch
3330 W Royal Ln Irving TX
SOUTHWEST AIRLINES
Southwest Airlines Southwest Airlines Branch
801 W Euless Boulevard, Suite 104 Euless TX
BAPTIST
Dallas Office Dallas Office Branch
521 N Ervay St Dallas TX
DATCU
Datcu Datcu Branch
225 W MULBERRY DENTON TX
FORT WORTH COMMUNITY
Fort Worth Community Fort Worth Community Branch
6454 Brentwood Stair Rd. Fort Worth TX
TEXAS TELCOM
Main Office Main Office Branch
8818 Garland Rd Dallas TX
PRESTIGE COMMUNITY
Main Main Branch
15203 Knoll Trail Dr Ste 101 Dallas TX
SOUTHWEST AIRLINES
Southwest Airlines Southwest Airlines Branch
801 W Euless Boulevard, Suite 104 Euless TX
ENERGY ONE
Energy One Energy One Branch
5005 LBJ Freeway, Ste 365 Dallas TX
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
3500 Manor Way Dallas TX
ENERGY ONE
Energy One Energy One Branch
5005 LBJ Freeway, Ste 365 Dallas TX
GEICO
Dallas Dallas Branch
2280 N Greenville Ave Richardson TX
RELYON
Employees Credit Union Employees Credit Union Branch
8989 Harry Hines Blvd Dallas TX
RESOURCE ONE
Resource One Resource One Branch
2315 W Airport Frwy Irving TX
INTOUCH
Intouch Intouch Branch
1 First American Way Westlake TX
XCEED FINANCIAL
Xceed Financial Xceed Financial Branch
1660 South Stemmons Fwy Suite 140 Lewisville TX
THE LOCAL
Disaster Recovery Disaster Recovery Branch
1408 W Pioneer Dr Irving TX
SOUTHWEST FINANCIAL
Dallas Branch Dallas Branch
7610 N Stemmons Fwy Ste 110 Dallas TX
UNITY ONE
Bctal Branch Bctal Branch
7020 Mid Cities Blvd Rm 103 North Richland Hills TX
TRUGROCER
Trugrocer Trugrocer Branch
1327 Brown Trail Bedford TX
TEXANS
Texans Texans Branch
1081 W. Main Street, Suite 101 Lewisville TX
TRUGROCER
Trugrocer Trugrocer Branch
1327 Brown Trail Bedford TX
GRAND PRAIRIE
Grand Prairie Grand Prairie Branch
209 N. CENTER ST. GRAND PRAIRIE TX
AMERICA'S
America's America's Branch
2777 Stemmons Freeway Suite 1242 Dallas TX
MESQUITE
Mesquite Mesquite Branch
1510 N Galloway Ave Mesquite TX
LIBERTYONE
Libertyone Credit Union Libertyone Credit Union Branch
2221 E Lamar Blvd Ste 110 Arlington TX
SOUTHWEST FINANCIAL
Dallas Branch Dallas Branch
7610 N Stemmons Fwy Ste 110 Dallas TX
LIBERTYONE
Libertyone Credit Union Libertyone Credit Union Branch
2221 E Lamar Blvd Ste 110 Arlington TX
CORNER STONE
Dallas Branch Dallas Branch
7929 Brookriver Dr Ste 175 dallas TX
AMERICA'S
America's America's Branch
2777 Stemmons Freeway Suite 1242 Dallas TX
ALLIED
Branch-sanford Office Branch-sanford Office
909 W Sanford St ARLINGTON TX
CORNER STONE
Dallas Branch Dallas Branch
7929 Brookriver Dr Ste 175 dallas TX
METRO MEDICAL
Metro Medical Metro Medical Branch
8828 Stemmons Freeway, Suite # 113 Dallas TX
LAS COLINAS
Las Colinas Las Colinas Branch
901 W Walnut Hill Ln Irving TX
MY
Euless Euless Branch
1014 N Industrial Blvd Euless TX
TEXAS
Desoto Branch Office Desoto Branch Office
1021 E Pleasant Run Rd Desoto TX


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 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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