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Credit Union CD Rates – 2-Year – Fort Worth, Texas 2019

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

Fort Worth, TX - December 11, 2019

2 Year CD National Average : 1.09% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
American Airlines
Restrictions
2.48% $10,000 5621.43
Advancial
Restrictions
2.39% $50,000 5608.61
Gulf Coast
Restrictions
2.35% $500 5502.72
2.32% $1,000 5501.63
2.32% $500 5621.43
Justice
Restrictions
2.30% $100,000 5460.91
Beacon
Restrictions
2.30% $1,000 5438.57
2.30% $95,000 5480.08
Shell
Restrictions
2.30% $100,000 5443.34
Air Force
Restrictions
2.30% $100,000 5610.19
Eastman
Restrictions
2.30% $1,000 5497.45
2.30% $1,000 5427.21
2.30% $100,000 6057.65
2.30% $1,000 5438.32
Cy-fair
Restrictions
2.27% $100,000 5471.49
Shared Resources
Restrictions
2.27% $5,000 5446.52
First Technology
Restrictions
2.25% $50,000 5473.35
Shell
Restrictions
2.25% $500 5443.34
Jsc
Restrictions
2.22% $100,000 5439.00
Fivepoint
Restrictions
2.22% $99,000 5395.87
Justice
Restrictions
2.20% $500 5460.91
2.20% $10,000 6057.65
2.20% $1,000 5480.08
Unify Financial
Restrictions
2.20% $100,000 5600.29
Cy-fair
Restrictions
2.20% $5,000 5471.49
North East Texas
Restrictions
2.20% $1,000 5510.79
First Technology
Restrictions
2.20% $50,000 5473.35
Houston
Restrictions
2.20% $500 5465.44
First Community
Restrictions
2.20% $100,000 5467.72
Advancial
Restrictions
2.18% $1,000 5608.61
Air Force
Restrictions
2.15% $2,500 5610.19
Delta Community
Restrictions
2.15% $1,000 5628.07
First Technology
Restrictions
2.15% $500 5473.35
Premier America
Restrictions
2.15% $100,000 5462.18
2.15% $1,000 5572.89
United Community
Restrictions
2.15% $1,000 5450.03
Jsc
Restrictions
2.12% $500 5439.00
Centex Citizens
Restrictions
2.12% $1,000 5562.42
Texell
Restrictions
2.10% $1,000 5588.72
2.10% $10,000 5610.59
2.10% $1,000 5452.30
First Technology
Restrictions
2.10% $500 5473.35
Energy One
Restrictions
2.10% $100,000 5613.39
2.10% $100,000 5504.30
University
Restrictions
2.10% $100,000 5594.51
2.07% $10,000 5626.43
Premier America
Restrictions
2.05% $10,000 5462.18
Unify Financial
Restrictions
2.05% $1,000 5600.29
Chevron
Restrictions
2.05% $500 6051.51
Greater Texas
Restrictions
2.05% $95,000 5587.28
River City
Restrictions
2.05% $100,000 5602.16
First Community
Restrictions
2.05% $500 5467.72
Credit Human
Restrictions
2.05% $1,000 5470.20
Educators
Restrictions
2.02% $1,000 5591.00
Neches
Restrictions
2.02% $1,000 5393.48
Union Square
Restrictions
2.02% $1,000 5721.76
2.02% $10,000 5619.08
Fivepoint
Restrictions
2.02% $1,000 5395.87
Texas Tech
Restrictions
2.02% $1,000 5878.22
Great Plains
Restrictions
2.02% $10,000 5385.68
Genco
Restrictions
2.01% $1,000 5468.19
River City
Restrictions
2.00% $1,000 5602.16
Texoma Community
Restrictions
2.00% $1,000 5724.37
Chemcel
Restrictions
2.00% $75,000 5521.88
2.00% $1,000 5504.30
Energy One
Restrictions
2.00% $1,000 5613.39
Mil-way
Restrictions
2.00% $2,500 5496.20
Dugood
Restrictions
1.97% $100,000 5408.09
Pantex
Restrictions
1.97% $2,500 5912.53
Santa Fe
Restrictions
1.97% $500 5920.31
Domino
Restrictions
1.96% $500 5495.49
1.96% $10,000 5608.12
Resource One
Restrictions
1.95% $90,000 5607.55
Eecu
Restrictions
1.95% $50,000 5633.70
The People's
Restrictions
1.95% $5,000 5922.57
Endurance
Restrictions
1.95% $99,000 5460.11
Ep
Restrictions
1.92% $1,000 5637.98
Investex
Restrictions
1.92% $1,000 5461.75
Amoco
Restrictions
1.92% $1,000 5425.47
A+
Restrictions
1.92% $1,000 5587.59
Harris County
Restrictions
1.92% $500 5456.27
Geico
Restrictions
1.92% $1,000 5614.52
1.92% $10,000 5602.08
Abilene Teachers
Restrictions
1.92% $100,000 5743.06
Kelly Community
Restrictions
1.92% $1,000 5522.97
1.92% $10,000 5523.95
1.92% $1,000 5551.33
Eecu
Restrictions
1.90% $1,000 5633.70
Chemcel
Restrictions
1.90% $1,000 5521.88
1.90% $100,000 5588.79
Greater Texas
Restrictions
1.90% $1,000 5587.28
Xceed Financial
Restrictions
1.90% $500 5623.82
1.90% $1,000 5876.56
1.90% $100,000 5609.91
Education
Restrictions
1.90% $10,000 5923.49
Smart Financial
Restrictions
1.90% $100,000 5460.17
Las Colinas
Restrictions
1.88% $1,000 5618.97
Gecu
Restrictions
1.87% $50,000 6051.19
1.87% $100,000 5604.97
Kerr County
Restrictions
1.87% $1,000 5647.62
Mobiloil
Restrictions
1.87% $1,000 5407.88
Texar
Restrictions
1.87% $1,000 5496.32
Intouch
Restrictions
1.85% $1,000 5614.00
University
Restrictions
1.85% $1,000 5594.51
Resource One
Restrictions
1.85% $500 5607.55
First Service
Restrictions
1.85% $50,000 5455.06
Security Service
Restrictions
1.85% $100,000 5613.96
Firstlight
Restrictions
1.85% $100,000 6054.29
1.85% $1,000 5604.97
Postel Family
Restrictions
1.82% $1,000 5721.82
1.81% $1,000 5724.86
Relyon
Restrictions
1.81% $1,000 5613.18
Cal-com
Restrictions
1.81% $500 5513.52
Texas Bay
Restrictions
1.81% $1,000 5445.22
White Sands
Restrictions
1.81% $25,000 6055.70
Fort Worth City
Restrictions
1.80% $1,000 5634.60
First Central
Restrictions
1.80% $1,000 0.00
1.80% $10,000 5609.91
Texas Trust
Restrictions
1.80% $500 5617.93
Members Choice
Restrictions
1.80% $50,000 5471.31
Endurance
Restrictions
1.80% $10,000 5460.11
Gecu
Restrictions
1.77% $1,000 6051.19
Windthorst
Restrictions
1.76% $1,000 5707.99
1.76% $1,000 5606.53
1.76% $1,000 5503.11
Austin Telco
Restrictions
1.76% $95,000 5588.94
Capitol
Restrictions
1.75% $1,000 5588.95
First Service
Restrictions
1.75% $1,000 5455.06
Firstlight
Restrictions
1.75% $500 6054.29
Truity
Restrictions
1.75% $500 5465.04
Smart Financial
Restrictions
1.75% $1,000 5460.17
Security Service
Restrictions
1.75% $500 5613.96
Pentagon
Restrictions
1.75% $1,000 5610.63
Dugood
Restrictions
1.71% $1,000 5408.09
Education First
Restrictions
1.71% $500 5407.68
Abilene Teachers
Restrictions
1.71% $500 5743.06
Randolph-brooks
Restrictions
1.71% $5,000 5598.13
White Sands
Restrictions
1.71% $1,000 6055.70
1.71% $1,000 5393.91
One Source
Restrictions
1.71% $50,000 6050.13
Austin Telco
Restrictions
1.71% $1,000 5588.94
Velocity
Restrictions
1.71% $1,000 5586.33
Members Choice
Restrictions
1.70% $500 5471.31
City
Restrictions
1.70% $1,000 5604.70
Security Service
Restrictions
1.70% $100,000 5613.96
Access Community
Restrictions
1.70% $5,000 5921.53
1.70% $50,000 6045.34
Assemblies Of God
Restrictions
1.66% $10,000 5600.28
Community Service
Restrictions
1.66% $10,000 5491.84
1.66% $5,000 5923.49
People's Trust
Restrictions
1.66% $10,000 5456.74
Datcu
Restrictions
1.66% $1,000 5631.49
Security Service
Restrictions
1.65% $100,000 5613.96
One Source
Restrictions
1.61% $500 6050.13
1.60% $500 6045.34
Border
Restrictions
1.60% $100,000 5720.40
Security Service
Restrictions
1.60% $500 5613.96
Firstmark
Restrictions
1.60% $100,000 5604.99
Energy Capital
Restrictions
1.56% $1,000 5471.65
Nascoga
Restrictions
1.56% $1,000 5648.69
United Heritage
Restrictions
1.55% $1,000 5589.21
Texans
Restrictions
1.51% $1,000 5609.42
1.51% $1,000 5443.27
1.51% $1,000 5601.78
1.51% $1,000 5662.64
Bayer Heritage
Restrictions
1.51% $500 5434.25
Texas Bridge
Restrictions
1.51% $25,000 5507.06
Firstmark
Restrictions
1.50% $500 5604.99
1.50% $500 5588.79
Border
Restrictions
1.50% $10,000 5720.40
Security Service
Restrictions
1.50% $500 5613.96
Primeway
Restrictions
1.50% $1,000 5457.03
Truwest
Restrictions
1.50% $500 5587.03
Wellspring
Restrictions
1.46% $1,000 5388.89
Members First
Restrictions
1.46% $500 5504.33
Ohio Catholic
Restrictions
1.45% $100,000 -
Riverland
Restrictions
1.45% $10,000 5472.33
First Abilene
Restrictions
1.45% $1,000 5742.06
H E B
Restrictions
1.42% $10,000 5605.31
Texas Bridge
Restrictions
1.41% $1,000 5507.06
Valley
Restrictions
1.36% $10,000 5467.66
1.36% $1,000 5467.21
1.36% $500 5743.57
Ohio Catholic
Restrictions
1.35% $25,000 -
1.31% $1,000 5393.99
Security First
Restrictions
1.26% $100,000 5512.67
1.26% $1,000 5483.86
Rockdale
Restrictions
1.26% $1,000 5561.14
1.26% $1,000 5441.63
Ohio Catholic
Restrictions
1.25% $500 -
Concho Educators
Restrictions
1.25% $500 5750.96
Altra
Restrictions
1.25% $100,000 5519.65
1.25% $2,500 5519.42
F A A
Restrictions
1.23% $50,000 5460.34
1.21% $1,000 5888.65
1.21% $500 5890.73
F A A
Restrictions
1.20% $500 5460.34
1.16% $500 5685.48
Walker County
Restrictions
1.15% $1,000 5491.65
Southwest 66
Restrictions
1.11% $1,000 5855.14
1st Community
Restrictions
1.11% $1,000 5751.32
First Basin
Restrictions
1.10% $1,000 5856.74
1.10% $1,000 5553.28
1.10% $50,000 5853.89
Altra
Restrictions
1.05% $1,000 5519.65
1.01% $1,000 5517.56
1.00% $1,000 5750.29
1.00% $500 5751.42
Security First
Restrictions
1.00% $1,000 5512.67
Golden Triangle
Restrictions
1.00% $1,000 5391.01
1.00% $1,000 5853.89
1.00% $1,000 5458.95
Baycel
Restrictions
1.00% $2,500 5466.07
1.00% $75,000 5844.84
0.95% $10,000 5605.11
Gulf
Restrictions
0.90% $500 5390.93
0.90% $500 5854.77
Secured Advantage
Restrictions
0.90% $500 5732.64
0.85% $1,000 5844.84
0.75% $1,000 5592.33
Citizens
Restrictions
0.75% $90,000 5820.50
Mtcu
Restrictions
0.69% $99,000 5847.43
Laredo
Restrictions
0.60% $1,000 5604.85
Mtcu
Restrictions
0.59% $1,000 5847.43
Members Financial
Restrictions
0.55% $50,000 5845.51
Members Financial
Restrictions
0.45% $10,000 5845.51
0.40% $2,500 6055.04
Go
Restrictions
0.40% $1,000 5609.70
0.35% $10,000 5589.23
Citizens
Restrictions
0.35% $5,000 5820.50
Heritage Usa
Restrictions
0.30% $500 5848.88
West Texas
Restrictions
0.30% $1,000 5855.27
Texas
Restrictions
0.05% $5,000 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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