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Texas Credit Union CD Rates – 5 Year 2017

Below are 5 year CD Rates from credit unions that are located in Texas. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

TX - October 19, 2017

5 Year CD National Average : 1.27% ?

Credit Union APY MIN MILES ?
Shell
Restrictions
2.60% $100,000 -
Shell
Restrictions
2.55% $500 -
Eastman
Restrictions
2.55% $1,000 -
2.50% $1,000 -
City
Restrictions
2.50% $500 -
First Service
Restrictions
2.45% $50,000 -
First Community
Restrictions
2.40% $100,000 -
Advancial
Restrictions
2.38% $50,000 -
Advancial
Restrictions
2.36% $1,000 -
Members Choice
Restrictions
2.35% $50,000 -
First Service
Restrictions
2.35% $1,000 -
Resource One
Restrictions
2.30% $90,000 -
Bayer Heritage
Restrictions
2.28% $500 -
Texoma Community
Restrictions
2.27% $1,000 -
Bp
Restrictions
2.27% $1,000 -
Firstlight
Restrictions
2.27% $100,000 -
United Texas
Restrictions
2.27% $500 -
2.27% $1,000 -
2.27% $10,000 -
Eecu
Restrictions
2.25% $1,000 -
Members Choice
Restrictions
2.25% $500 -
2.25% $10,000 -
Velocity
Restrictions
2.22% $1,000 -
Gecu
Restrictions
2.22% $50,000 -
2.22% $10,000 -
Riverland
Restrictions
2.20% $10,000 -
Resource One
Restrictions
2.20% $500 -
Texas Bay
Restrictions
2.17% $50,000 -
2.17% $100,000 -
Neighborhood
Restrictions
2.15% $2,500 -
First Community
Restrictions
2.15% $500 -
Credit Human
Restrictions
2.15% $10,000 -
Southwest 66
Restrictions
2.15% $1,000 -
Mtcu
Restrictions
2.13% $1,000 -
Firstlight
Restrictions
2.12% $500 -
Pentagon
Restrictions
2.12% $1,000 -
2.12% $1,000 -
Gecu
Restrictions
2.12% $2,500 -
Neches
Restrictions
2.12% $1,000 -
2.10% $500 -
Air Force
Restrictions
2.10% $2,500 -
2.10% $2,500 -
Education First
Restrictions
2.10% $500 -
Security Service
Restrictions
2.10% $100,000 -
Houston
Restrictions
2.10% $500 -
American Airlines
Restrictions
2.07% $10,000 -
Wellspring
Restrictions
2.07% $1,000 -
Security Service
Restrictions
2.05% $100,000 -
Firstmark
Restrictions
2.05% $100,000 -
Alliant
Restrictions
2.05% $1,000 -
2.05% $100,000 -
Fivepoint
Restrictions
2.04% $1,000 -
Intouch
Restrictions
2.04% $1,000 -
Texoma Educators
Restrictions
2.03% $10,000 -
People's Trust
Restrictions
2.02% $10,000 -
White Sands
Restrictions
2.02% $25,000 -
2.02% $100,000 -
2.02% $50,000 -
Dugood
Restrictions
2.02% $1,000 -
Mobiloil
Restrictions
2.02% $1,000 -
2.02% $1,000 -
Synergy
Restrictions
2.02% $1,000 -
Union Square
Restrictions
2.02% $1,000 -
Randolph-brooks
Restrictions
2.02% $5,000 -
Justice
Restrictions
2.02% $500 -
2.02% $1,000 -
2.02% $1,000 -
2.02% $1,000 -
Xceed Financial
Restrictions
2.00% $500 -
Texell
Restrictions
2.00% $1,000 -
2.00% $10,000 -
Security Service
Restrictions
2.00% $500 -
First Technology
Restrictions
2.00% $500 -
Unify Financial
Restrictions
2.00% $1,000 -
Chevron
Restrictions
2.00% $500 -
Texas Bay
Restrictions
1.97% $1,000 -
1.97% $1,000 -
Gecu
Restrictions
1.96% $50,000 -
Great Plains
Restrictions
1.96% $10,000 -
Fort Worth City
Restrictions
1.95% $95,000 -
Firstmark
Restrictions
1.95% $500 -
1.95% $1,000 -
River City
Restrictions
1.95% $100,000 -
1.93% $1,000 -
Valley
Restrictions
1.92% $10,000 -
1.92% $1,000 -
1.92% $1,000 -
White Sands
Restrictions
1.92% $1,000 -
1.91% $500 -
River City
Restrictions
1.90% $1,000 -
1.90% $10,000 -
1.90% $1,000 -
Ep
Restrictions
1.87% $1,000 -
Lone Star
Restrictions
1.86% $90,000 -
Gecu
Restrictions
1.86% $1,000 -
Austin Telco
Restrictions
1.86% $1,000 -
Baxter
Restrictions
1.85% $500 -
Fort Worth City
Restrictions
1.85% $1,000 -
Kelly Community
Restrictions
1.82% $1,000 -
1.80% $1,000 -
1.76% $1,000 -
Amoco
Restrictions
1.76% $1,000 -
Lone Star
Restrictions
1.76% $500 -
Velocity
Restrictions
1.76% $1,000 -
Qualtrust
Restrictions
1.76% $1,000 -
1.76% $1,000 -
Texas Trust
Restrictions
1.76% $500 -
Chemcel
Restrictions
1.75% $75,000 -
Truwest
Restrictions
1.75% $100,000 -
Cal-com
Restrictions
1.75% $500 -
Energy One
Restrictions
1.75% $10,000 -
Truity
Restrictions
1.75% $500 -
Texas Tech
Restrictions
1.75% $1,000 -
Beacon
Restrictions
1.75% $1,000 -
A+
Restrictions
1.71% $500 -
Premier America
Restrictions
1.70% $10,000 -
1.70% $5,000 -
Truwest
Restrictions
1.70% $1,000 -
Investex
Restrictions
1.67% $50,000 -
Smart Financial
Restrictions
1.66% $90,000 -
Security First
Restrictions
1.65% $100,000 -
Chemcel
Restrictions
1.65% $1,000 -
Security Service
Restrictions
1.65% $100,000 -
Delta Community
Restrictions
1.65% $1,000 -
1.61% $1,000 -
Postel Family
Restrictions
1.61% $1,000 -
Genco
Restrictions
1.61% $1,000 -
Membersource
Restrictions
1.60% $500 -
First Basin
Restrictions
1.60% $1,000 -
1.60% $100,000 -
Primeway
Restrictions
1.60% $1,000 -
1.60% $1,000 -
Educators
Restrictions
1.56% $1,000 -
Security Service
Restrictions
1.55% $500 -
Investex
Restrictions
1.52% $1,000 -
Smart Financial
Restrictions
1.51% $1,000 -
1.51% $50,000 -
Members First
Restrictions
1.51% $500 -
Libertyone
Restrictions
1.51% $1,000 -
1.51% $1,000 -
1.50% $500 -
Concho Educators
Restrictions
1.50% $500 -
1.46% $1,000 -
Domino
Restrictions
1.46% $500 -
Datcu
Restrictions
1.46% $1,000 -
United Heritage
Restrictions
1.45% $1,000 -
Members Financial
Restrictions
1.44% $1,000 -
One Source
Restrictions
1.36% $50,000 -
1.36% $10,000 -
Security First
Restrictions
1.35% $1,000 -
One Source
Restrictions
1.26% $1,000 -
1.26% $2,500 -
Geico
Restrictions
1.26% $1,000 -
1.25% $1,000 -
1.25% $1,000 -
1.21% $1,000 -
Go
Restrictions
1.20% $99,000 -
1.20% $10,000 -
United Community
Restrictions
1.20% $1,000 -
Border
Restrictions
1.15% $100,000 -
F A A
Restrictions
1.15% $50,000 -
North East Texas
Restrictions
1.11% $1,000 -
Community Service
Restrictions
1.11% $1,000 -
1.11% $10,000 -
1.11% $500 -
Border
Restrictions
1.10% $10,000 -
F A A
Restrictions
1.10% $500 -
Texans
Restrictions
1.00% $1,000 -
Go
Restrictions
1.00% $1,000 -
Secured Advantage
Restrictions
0.95% $500 -
Laredo
Restrictions
0.90% $1,000 -
H E B
Restrictions
0.86% $10,000 -
Greater Texas
Restrictions
0.80% $1,000 -
Cy-fair
Restrictions
0.65% $1,000 -
Members
Restrictions
0.60% $1,000 -
Texas
Restrictions
0.05% $5,000 -

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 2017

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” and 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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