Texas

Image Courtesy: www.pixabay.com

You are viewing rates across Carrollton


Credit Union CD Rates – 3-Month – Carrollton, Texas 2019

Below are the best three month CD Rates in Carrollton, Texas, TX from hundreds of credit unions. Three month CD rates are generally the shortest term offered by credit unions and come with the lowest interest rates. You may want to consider opening a 3 month CD if the rates are comparable to a savings and money market account, you don’t need the money for the timeperiod, and you feel that savings rates will drop.

Carrollton, TX - November 13, 2019

CD National Average : 0.39% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
Chevron
Restrictions
1.85% $500 6051.51
Advancial
Restrictions
1.80% $50,000 5608.61
Pantex
Restrictions
1.61% $2,500 5912.53
Advancial
Restrictions
1.60% $1,000 5608.61
Texas Trust
Restrictions
1.35% $98,000 5617.93
1.31% $500 5621.43
Members Choice
Restrictions
1.30% $50,000 5471.31
Eecu
Restrictions
1.30% $50,000 5633.70
Dugood
Restrictions
1.26% $100,000 5408.09
Bayer Heritage
Restrictions
1.26% $500 5434.25
Texas Trust
Restrictions
1.25% $500 5617.93
Eecu
Restrictions
1.25% $1,000 5633.70
1.20% $100,000 6057.65
Members Choice
Restrictions
1.20% $500 5471.31
Mobiloil
Restrictions
1.16% $1,000 5407.88
Neighborhood
Restrictions
1.15% $2,500 5613.18
Premier America
Restrictions
1.15% $100,000 5462.18
Unify Financial
Restrictions
1.11% $100,000 5600.29
1.10% $10,000 6057.65
Premier America
Restrictions
1.05% $10,000 5462.18
Beacon
Restrictions
1.05% $1,000 5438.57
1.01% $1,000 5443.27
Members First
Restrictions
1.01% $500 5504.33
1.00% $1,000 5427.21
Dugood
Restrictions
1.00% $1,000 5408.09
Education First
Restrictions
1.00% $500 5407.68
1.00% $1,000 5438.32
Unify Financial
Restrictions
1.00% $1,000 5600.29
Houston
Restrictions
0.95% $7,500 5465.44
Fivepoint
Restrictions
0.95% $99,000 5395.87
0.85% $100,000 5501.63
Kelly Community
Restrictions
0.80% $1,000 5522.97
0.75% $1,000 5480.08
0.75% $1,000 5501.63
Fivepoint
Restrictions
0.75% $1,000 5395.87
0.75% $1,000 5923.49
Jsc
Restrictions
0.75% $100,000 5439.00
First Community
Restrictions
0.75% $100,000 5467.72
Truity
Restrictions
0.70% $50,000 5465.04
Las Colinas
Restrictions
0.70% $1,000 5618.97
Texas Health
Restrictions
0.66% $1,000 5587.72
0.65% $500 5743.57
Security Service
Restrictions
0.65% $100,000 5613.96
Gecu
Restrictions
0.65% $50,000 6051.19
First Community
Restrictions
0.65% $500 5467.72
Energy Capital
Restrictions
0.65% $50,000 5471.65
Border
Restrictions
0.65% $100,000 5720.40
0.60% $10,000 5523.95
Cal-com
Restrictions
0.60% $500 5513.52
Firstlight
Restrictions
0.55% $500 6054.29
Jsc
Restrictions
0.55% $500 5439.00
Security Service
Restrictions
0.55% $500 5613.96
Greater Texas
Restrictions
0.55% $95,000 5587.28
Gecu
Restrictions
0.55% $2,500 6051.19
Endurance
Restrictions
0.54% $99,000 5460.11
Great Plains
Restrictions
0.52% $10,000 5385.68
Eastman
Restrictions
0.50% $2,500 5497.45
Border
Restrictions
0.50% $10,000 5720.40
First Abilene
Restrictions
0.50% $1,000 5742.06
0.50% $1,000 5458.95
0.50% $1,000 5504.30
Truity
Restrictions
0.50% $500 5465.04
Resource One
Restrictions
0.50% $90,000 5607.55
Ohio Catholic
Restrictions
0.50% $100,000 -
Secured Advantage
Restrictions
0.50% $500 5732.64
People's Trust
Restrictions
0.50% $10,000 5456.74
0.50% $1,000 5861.61
Endurance
Restrictions
0.45% $10,000 5460.11
Nascoga
Restrictions
0.45% $1,000 5648.69
0.45% $1,000 5441.63
H E B
Restrictions
0.42% $10,000 5605.31
United Heritage
Restrictions
0.40% $1,000 5589.21
Abilene Teachers
Restrictions
0.40% $500 5743.06
Resource One
Restrictions
0.40% $500 5607.55
Ohio Catholic
Restrictions
0.40% $25,000 -
Greater Texas
Restrictions
0.40% $1,000 5587.28
Union Square
Restrictions
0.40% $1,000 5721.76
Velocity
Restrictions
0.40% $90,000 5586.33
Mtcu
Restrictions
0.36% $99,000 5847.43
Texoma Community
Restrictions
0.35% $1,000 5724.37
Postel Family
Restrictions
0.35% $1,000 5721.82
University
Restrictions
0.35% $100,000 5594.51
Relyon
Restrictions
0.35% $1,000 5613.18
Intouch
Restrictions
0.35% $1,000 5614.00
F A A
Restrictions
0.33% $50,000 5460.34
0.30% $1,000 5749.97
Velocity
Restrictions
0.30% $1,000 5586.33
Justice
Restrictions
0.30% $500 5460.91
F A A
Restrictions
0.30% $500 5460.34
Mtcu
Restrictions
0.26% $1,000 5847.43
Assemblies Of God
Restrictions
0.25% $10,000 5600.28
Capitol
Restrictions
0.25% $1,000 5588.95
Ohio Catholic
Restrictions
0.20% $500 -
Gulf
Restrictions
0.15% $500 5390.93
0.15% $500 5751.42
Texans
Restrictions
0.15% $1,000 5609.42
0.15% $500 5613.39
University
Restrictions
0.10% $1,000 5594.51
0.05% $2,500 6045.34
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