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Credit Union CD Rates – 4-Year – Brownsville, Texas 2020

Below are four year CD Rates from credit unions in Brownsville, Texas. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Brownsville, TX - February 24, 2020

4 Year CD National Average : 1.28% ?

Advertiser Disclosure
Credit Unions APY MIN MILES ?
Sponsored Advertiser Disclosure
Kerr County
Restrictions
2.79% $1,000 5647.62
Evolve
Restrictions
2.78% $500 6050.14
Shell
Restrictions
2.70% $100,000 5443.34
Shell
Restrictions
2.65% $500 5443.34
Cy-fair
Restrictions
2.63% $100,000 5471.49
American Airlines
Restrictions
2.53% $10,000 5621.43
Bp
Restrictions
2.53% $1,000 5470.30
2.52% $1,000 5501.63
Cy-fair
Restrictions
2.52% $5,000 5471.49
2.50% $1,000 5427.21
Texell
Restrictions
2.45% $1,000 5588.72
2.45% $1,000 5480.08
Premier America
Restrictions
2.45% $100,000 5462.18
Advancial
Restrictions
2.43% $50,000 5608.61
Resource One
Restrictions
2.38% $90,000 5607.55
Premier America
Restrictions
2.35% $10,000 5462.18
North East Texas
Restrictions
2.33% $1,000 5510.79
Houston
Restrictions
2.30% $500 5465.44
2.30% $1,000 5572.89
2.30% $100,000 6057.65
Bayer Heritage
Restrictions
2.28% $500 5434.25
2.27% $1,000 5467.21
2.27% $1,000 5724.86
Assemblies Of God
Restrictions
2.27% $10,000 5600.28
Dugood
Restrictions
2.27% $100,000 5408.09
Resource One
Restrictions
2.27% $500 5607.55
Genco
Restrictions
2.27% $1,000 5468.19
Chemcel
Restrictions
2.25% $75,000 5521.88
Neighborhood
Restrictions
2.25% $2,500 5613.18
2.25% $500 6045.34
Educators
Restrictions
2.22% $1,000 5591.00
Datcu
Restrictions
2.22% $1,000 5631.49
Advancial
Restrictions
2.22% $1,000 5608.61
First Central
Restrictions
2.20% $1,000 0.00
Endurance
Restrictions
2.20% $99,000 5460.11
University
Restrictions
2.20% $100,000 5594.51
Eecu
Restrictions
2.20% $50,000 5633.70
Jsc
Restrictions
2.20% $100,000 5439.00
2.20% $10,000 6057.65
Investex
Restrictions
2.18% $1,000 5461.75
Ep
Restrictions
2.17% $1,000 5637.98
2.17% $100,000 5588.12
Great Plains
Restrictions
2.17% $10,000 5385.68
Eecu
Restrictions
2.15% $1,000 5633.70
Chemcel
Restrictions
2.15% $1,000 5521.88
2.15% $10,000 5610.59
2.15% $1,000 5452.30
Eastman
Restrictions
2.15% $1,000 5497.45
First Community
Restrictions
2.15% $100,000 5467.72
Neches
Restrictions
2.12% $1,000 5393.48
Postel Family
Restrictions
2.12% $1,000 5721.82
Texas Tech
Restrictions
2.12% $1,000 5878.22
Union Square
Restrictions
2.12% $1,000 5721.76
Capitol
Restrictions
2.10% $1,000 5588.95
First Service
Restrictions
2.10% $50,000 5455.06
Jsc
Restrictions
2.10% $500 5439.00
Smart Financial
Restrictions
2.10% $100,000 5460.17
Texoma Community
Restrictions
2.10% $1,000 5724.37
Endurance
Restrictions
2.10% $10,000 5460.11
Greater Texas
Restrictions
2.10% $95,000 5587.28
Kelly Community
Restrictions
2.07% $1,000 5522.97
Mobiloil
Restrictions
2.07% $1,000 5407.88
United Heritage
Restrictions
2.05% $1,000 5589.21
Xceed Financial
Restrictions
2.05% $500 5623.82
2.05% $100 5438.32
2.05% $100,000 5604.97
Justice
Restrictions
2.05% $500 5460.91
Dugood
Restrictions
2.02% $1,000 5408.09
2.02% $1,000 5588.12
Amoco
Restrictions
2.02% $100,000 5425.47
2.02% $1,000 5604.97
2.02% $1,000 5393.99
Cal-com
Restrictions
2.01% $500 5513.52
Greater Texas
Restrictions
2.00% $1,000 5587.28
First Service
Restrictions
2.00% $1,000 5455.06
Texasgulf
Restrictions
2.00% $500 5481.37
Credit Human
Restrictions
2.00% $1,000 5470.20
First Community
Restrictions
2.00% $500 5467.72
2.00% $100,000 5588.79
2.00% $1,000 5511.85
Members Choice
Restrictions
2.00% $50,000 5471.31
Education
Restrictions
2.00% $10,000 5923.49
Unify Financial
Restrictions
1.98% $100,000 5600.29
Texans
Restrictions
1.97% $1,000 5609.42
Texar
Restrictions
1.97% $1,000 5496.32
People's Trust
Restrictions
1.97% $10,000 5456.74
Wellspring
Restrictions
1.97% $1,000 5388.89
Domino
Restrictions
1.96% $500 5495.49
University
Restrictions
1.95% $1,000 5594.51
Chevron
Restrictions
1.95% $500 6051.51
Smart Financial
Restrictions
1.95% $1,000 5460.17
Randolph-brooks
Restrictions
1.92% $5,000 5598.13
Amoco
Restrictions
1.92% $1,000 5425.47
Velocity
Restrictions
1.91% $1,000 5586.33
Members Choice
Restrictions
1.90% $500 5471.31
Membersource
Restrictions
1.90% $500 5465.02
City
Restrictions
1.90% $1,000 5604.70
1.90% $1,000 5876.56
River City
Restrictions
1.90% $100,000 5602.16
Unify Financial
Restrictions
1.88% $1,000 5600.29
White Sands
Restrictions
1.87% $25,000 6055.70
Ohio Catholic
Restrictions
1.85% $100,000 -
River City
Restrictions
1.85% $1,000 5602.16
Doches
Restrictions
1.85% $2,000 5473.03
Community Service
Restrictions
1.82% $1,000 5491.84
Security First
Restrictions
1.82% $100,000 5512.67
1.81% $1,000 5393.91
Austin Telco
Restrictions
1.81% $95,000 5588.94
Synergy
Restrictions
1.81% $1,000 5611.73
Texas Bay
Restrictions
1.81% $1,000 5445.22
1.81% $5,000 5923.49
Gecu
Restrictions
1.81% $50,000 6051.19
Border
Restrictions
1.80% $100,000 5720.40
Firstlight
Restrictions
1.80% $100,000 6054.29
1.80% $10,000 5609.91
A+
Restrictions
1.80% $500 5587.59
United Community
Restrictions
1.80% $1,000 5450.03
Access Community
Restrictions
1.80% $5,000 5921.53
Texas Trust
Restrictions
1.80% $500 5617.93
Southland
Restrictions
1.76% $10,000 5467.32
Austin Telco
Restrictions
1.76% $1,000 5588.94
White Sands
Restrictions
1.76% $1,000 6055.70
Energy Capital
Restrictions
1.76% $1,000 5471.65
Firstlight
Restrictions
1.75% $500 6054.29
Energy One
Restrictions
1.75% $1,000 5613.39
Pentagon
Restrictions
1.75% $1,000 5610.63
1.75% $2,500 5519.42
Ohio Catholic
Restrictions
1.75% $25,000 -
Intouch
Restrictions
1.75% $1,000 5614.00
One Source
Restrictions
1.71% $1,000 6050.13
Gecu
Restrictions
1.71% $1,000 6051.19
Border
Restrictions
1.70% $10,000 5720.40
Primeway
Restrictions
1.70% $1,000 5457.03
Truity
Restrictions
1.70% $500 5465.04
Ohio Catholic
Restrictions
1.65% $500 -
Altra
Restrictions
1.65% $1,000 5519.65
1.61% $1,000 5443.27
1.60% $500 5588.79
F A A
Restrictions
1.57% $50,000 5460.34
1.56% $500 5743.57
Valley
Restrictions
1.56% $10,000 5467.66
F A A
Restrictions
1.52% $500 5460.34
1.51% $1,000 5844.84
1.51% $1,000 5662.64
1.51% $500 5685.48
Concho Educators
Restrictions
1.50% $500 5750.96
1.50% $500 5751.42
Security First
Restrictions
1.46% $1,000 5512.67
1.41% $1,000 5857.94
Members First
Restrictions
1.41% $500 5504.33
1.31% $1,000 5441.63
Members Financial
Restrictions
1.05% $1,000 5845.51
1.01% $1,000 5592.33
1.01% $10,000 5605.11
Laredo
Restrictions
0.80% $1,000 5604.85
Go
Restrictions
0.70% $1,000 5609.70
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 2020

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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