Texas

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Credit Union CD Rates – 6-Month – Live Oak, Texas

You are viewing rates from credit unions across Live Oak





Below are the best six month CD Rates from credit unions in Live Oak, Texas. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Live Oak, TX - August 7, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

6.00%

4.91%

$500

$0

-

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Rate History: 3.30% → 5.75%

Rate History: 6.14% → 5.30%

Rate History: 0.60% → 5.50% → 5.25%

| Dec 7, 2023

100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More

Rate History: 5.11% → 5.25%

Rate History: 1.75% → 5.00% → 5.25% → 5.00%

Rate History: 4.75% → 5.00% → 5.25% → 5.00%

Rate History: 3.30% → 4.95%

Rate History: 4.34% → 4.90%

Rate History: 1.45% → 5.00% → 4.90% → 4.80%

Rate History: 5.00% → 4.75%

Rate History: 4.50% → 4.75%

Rate History: 5.00% → 4.75%

Rate History: 4.43% → 4.67%

4.65%

2.99%

$10,000

$1,000

-

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| Nov 24, 2020

Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More

Rate History: 5.00% → 4.50%

Rate History: 1.30% → 2.50% → 1.30% → 4.50%

Rate History: 5.50% → 5.30% → 5.25% → 4.65% → 4.50%

Rate History: 3.00% → 5.15% → 5.00% → 4.50%

Rate History: 1.50% → 4.50%

Rate History: 3.00% → 4.00% → 4.50%

4.49%

4.44%

$50,000

$500

-

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Rate History: 2.02% → 1.76% → 4.23% → 4.33% → 4.49%

| Dec 15, 2022

I have been a member for over 30 years and Pelican has consistently offered deposit rates that are higher than bank and credit union averages. All my kids and grandkids park their savings with Pelican and... Read More

Rate History: 4.85% → 5.10% → 4.85% → 4.40%

Rate History: 4.44% → 4.39%

Rate History: 4.50% → 4.35%

Rate History: 4.35% → 3.85% → 4.35%

| Aug 10, 2021

There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More

Rate History: 5.45% → 5.35% → 5.25% → 5.05% → 4.35%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Rate History: 5.30% → 5.25% → 4.55% → 4.35%

| Feb 27, 2020

Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More

Rate History: 4.07% → 4.33% → 4.40% → 4.50% → 4.33%

Rate History: 4.39% → 4.59% → 4.70% → 4.65% → 4.33%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Rate History: 3.25% → 2.80% → 4.07% → 4.20% → 4.30%

Rate History: 4.80% → 5.20% → 5.10% → 4.50% → 4.30%

Rate History: 5.25% → 5.10% → 4.85% → 4.50% → 4.30%

Rate History: 4.40% → 4.90% → 4.85% → 4.80% → 4.30%

Rate History: 3.78% → 3.79% → 4.45% → 4.30%

Rate History: 4.90% → 4.70% → 4.50% → 4.40% → 4.30%

Rate History: 3.20% → 4.30%

Rate History: 3.95% → 4.10% → 4.35% → 4.25%

Rate History: 2.00% → 5.00% → 4.50% → 4.30% → 4.25%

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

Rate History: 4.60% → 5.50% → 5.25% → 5.00% → 4.25%

Rate History: 5.50% → 4.25%

Rate History: 4.50% → 5.00% → 4.25%

Rate History: 4.50% → 4.35% → 4.25%

Rate History: 4.85% → 4.80% → 5.00% → 3.90% → 4.25%

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

Rate History: 4.58% → 4.73% → 4.23%

Rate History: 5.65% → 4.60% → 4.23%

Rate History: 4.44% → 4.70% → 5.12% → 4.23%

| Jun 1, 2019

Yes... Read More

Rate History: 4.16% → 4.11% → 4.02% → 4.11% → 4.20%

| Apr 12, 2019

Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More

Rate History: 3.05% → 4.25% → 4.20%

| Jan 12, 2022

I did a signature loan to pay off two credit cards in December 2021 of $10,000 @ 10.75 % Then 30 days later in January 2022 Suncoast offers its members to pay off your credit cards @ 5.9 % That did not s... Read More

Rate History: 3.85% → 4.00% → 4.35% → 4.25% → 4.20%

Rate History: 3.14% → 3.66% → 4.18%

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

Rate History: 3.30% → 3.60% → 4.18%

Rate History: 5.50% → 5.25% → 4.65% → 4.35% → 4.15%

Rate History: 5.15% → 5.00% → 4.80% → 4.55% → 4.15%

Rate History: 5.06% → 4.75% → 4.50% → 4.15%

4.13%

4.08%

$50,000

$1,000

-

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Rate History: 2.60% → 3.60% → 4.11%

| Jun 19, 2022

Does PMFCU share with Bellco, Law Enforcement in Aurora. Read More

Rate History: 4.00% → 4.35% → 4.11%

Rate History: 4.33% → 4.10%

4.10%

4.00%
3.90%

$25,000

$10,000
$500

-

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Rate History: 3.20% → 3.70% → 4.10%

Rate History: 5.00% → 4.75% → 4.00% → 4.10%

| Mar 22, 2024

Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More

Rate History: 4.33% → 4.07%

Rate History: 2.02% → 4.32% → 5.00% → 4.34% → 4.07%

Rate History: 4.07% → 3.97% → 3.87% → 4.07%

Rate History: 0.70% → 4.06%

Rate History: 4.40% → 5.20% → 5.00% → 4.05%

Rate History: 4.50% → 5.00% → 4.55% → 4.30% → 4.05%

Rate History: 5.18% → 4.30% → 4.05%

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

Rate History: 4.85% → 3.25% → 4.65% → 4.50% → 4.05%

Rate History: 4.55% → 5.05% → 4.30% → 4.15% → 4.05%

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

Rate History: 4.01% → 3.80% → 3.75% → 4.27% → 4.01%

| Jan 21, 2021

Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More

Rate History: 4.96% → 4.01%

Rate History: 0.01% → 3.00% → 4.25% → 4.00%

Rate History: 4.76% → 5.00% → 4.75% → 4.00%

Rate History: 5.25% → 4.75% → 3.75% → 4.25% → 4.00%

Rate History: 2.50% → 4.00%

Rate History: 4.25% → 5.00% → 4.25% → 5.00% → 4.00%

Rate History: 1.00% → 1.25% → 4.00%

| Feb 4, 2020

This is false advertising. The actual apy is 2.5º\º Read More

Rate History: 4.80% → 5.25% → 4.75% → 4.50% → 4.00%

Rate History: 1.00% → 5.75% → 4.25% → 4.50% → 4.00%

Rate History: 2.50% → 4.00% → 4.16% → 4.00%

Rate History: 5.10% → 4.85% → 4.00%

Rate History: 4.75% → 5.00% → 4.75% → 4.25% → 4.00%

| Oct 11, 2019

Long, long wait to see a banker. No one at the front desk. Very Poor service Read More

4.00%

3.85%

$100,000

$1,000

-

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Rate History: 2.50% → 4.00%

Rate History: 4.90% → 5.85% → 5.50% → 5.10% → 4.00%

Rate History: 4.50% → 4.30% → 4.00%

Rate History: 4.86% → 4.75% → 4.50% → 4.25% → 4.00%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 4.25% → 4.15% → 4.00%

| Oct 7, 2023

Have a problem that ICan not find an answer to in DFCU Financial. Trying to change info from USMail to Internet. They ask for my account number and the only thing I can find is onPurshing note. It is, H25... Read More

Rate History: 4.40% → 4.00%

Rate History: 3.15% → 4.00%

Rate History: 3.50% → 4.50% → 3.75% → 4.25% → 4.00%

Rate History: 4.90% → 4.50% → 5.00% → 4.50% → 4.00%

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

Rate History: 4.50% → 5.00% → 4.00%

Rate History: 3.00% → 4.00%

Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.00%

| Nov 19, 2022

Ratio of loans vs deposits appears Greenwood is overlevereged when compared to similar credit unions in the USA. Read More

4.00%

$1,000

-

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Rate History: 3.50% → 4.50% → 4.00%

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

Rate History: 5.27% → 3.97%

Rate History: 2.25% → 4.50% → 4.25% → 3.95%

Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 3.90%

Rate History: 4.85% → 4.60% → 4.35% → 4.00% → 3.90%

Rate History: 3.60% → 4.30% → 3.90%

Rate History: 4.25% → 3.90%

Rate History: 4.75% → 4.50% → 4.40% → 4.00% → 3.90%

| Mar 5, 2020

Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More

Rate History: 4.25% → 3.90%

Rate History: 4.75% → 4.15% → 4.00% → 3.90%

| Dec 16, 2020

Nusenda Credit Union are unprofessional and a big waste of time. Read More

Rate History: 4.00% → 4.50% → 3.90%

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 4.50% → 3.95% → 3.85%

Rate History: 3.82% → 4.59% → 4.85% → 3.82%

Rate History: 4.07% → 3.87% → 3.82%

| Dec 19, 2019

Ali123 Read More

Rate History: 4.70% → 4.50% → 4.00% → 3.80%

3.80%

$500

-

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Rate History: 3.25% → 4.20% → 3.25% → 3.80%

| Feb 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Cr... Read More

Rate History: 0.05% → 4.00% → 4.25% → 4.00% → 3.75%

Rate History: 3.50% → 3.75%

Rate History: 4.00% → 5.00% → 4.15% → 2.50% → 3.75%

Rate History: 5.40% → 4.00% → 3.75%

Rate History: 3.25% → 3.65% → 3.75%

| Aug 18, 2020

Excellent! Read More

Florida


Restrictions

3.75%

$1,000

-

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Rate History: 4.47% → 4.22% → 3.85% → 3.75%

Rate History: 1.26% → 3.75%

Rate History: 4.00% → 3.75%

Rate History: 5.12% → 4.89% → 4.41% → 3.92% → 3.69%

Rate History: 4.65% → 4.45% → 3.67%

Rate History: 4.02% → 3.83% → 3.86% → 3.81% → 3.66%

Rate History: 3.20% → 4.20% → 4.00% → 3.65%

Rate History: 4.42% → 4.73% → 4.27% → 3.80% → 3.65%

Rate History: 4.58% → 4.32% → 5.10% → 4.32% → 3.65%

Rate History: 3.75% → 3.85% → 3.80% → 3.60%

| Aug 8, 2023

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More

Rate History: 5.15% → 3.85% → 3.60%

| Apr 13, 2020

OMG! The worst. If you want to take your money out it is very difficult. Even though the IRS doesn't require anyone to tell why they are taking money out unless it is more than $10k these people will n... Read More

Rate History: 2.26% → 6.09% → 2.26% → 4.11% → 3.56%

Rate History: 4.55% → 4.80% → 4.55% → 4.05% → 3.56%

Rate History: 2.60% → 2.63% → 3.56%

Rate History: 4.90% → 5.00% → 5.12% → 4.59% → 3.56%

Rate History: 4.71% → 4.18% → 3.92% → 3.67% → 3.56%

Rate History: 3.09% → 3.56%

Rate History: 4.00% → 3.55%

Rate History: 2.84% → 3.30% → 3.55%

Rate History: 3.55% → 2.85% → 3.15% → 2.90% → 3.55%

Rate History: 3.48% → 3.48% → 3.75% → 3.49% → 3.54%

| May 12, 2016

19 what, years or months Read More

Rate History: 3.25% → 3.50%

| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

| Jun 22, 2023

BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More

Rate History: 5.00% → 4.55% → 4.30% → 3.80% → 3.50%

Rate History: 0.30% → 1.25% → 3.50%

| Sep 20, 2017

This credit union is a joke. They need to pull a credit report just to open a cd. Read More

Rate History: 1.75% → 3.50%

Rate History: 3.50% → 4.00% → 3.50%

Rate History: 4.75% → 4.50% → 4.40% → 3.75% → 3.50%

Magnifi Financial


Restrictions

3.50%

3.40%
3.35%
3.30%
3.25%

$150,000

$100,000
$50,000
$25,000
$500

-

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Rate History: 3.30% → 3.50%

Rate History: 5.00% → 4.20% → 4.00% → 4.25% → 3.50%

Rate History: 2.50% → 3.45% → 3.50%

Rate History: 4.50% → 4.25% → 3.75% → 3.50% → 3.45%

Rate History: 3.90% → 3.80% → 3.70% → 3.50% → 3.45%

Rate History: 3.45% → 5.05% → 4.95% → 4.85% → 3.45%

Rate History: 2.00% → 3.45%

Rate History: 4.90% → 4.65% → 3.15% → 2.90% → 3.40%

| 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

Rate History: 4.40% → 4.15% → 3.90% → 3.65% → 3.40%

Rate History: 5.05% → 3.65% → 3.40%

Rate History: 4.90% → 4.40% → 4.10% → 4.00% → 3.38%

Rate History: 4.65% → 4.35% → 4.00% → 3.25% → 3.35%

Rate History: 1.76% → 2.53% → 3.30%

| Aug 15, 2019

I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply n... Read More

Rate History: 3.55% → 3.40% → 3.30% → 3.40% → 3.30%

Rate History: 0.25% → 3.50% → 3.25%

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

Rate History: 3.05% → 4.00% → 3.25%

| Dec 7, 2020

Worst Bank EVER!!!!, 1. They have more account intrusions than a windows OS and when you ask how it happened, they inform you have to file a police report in order to receive that information that doesn't ... Read More

Rate History: 4.10% → 4.50% → 3.25%

Rate History: 3.50% → 4.00% → 3.25%

Rate History: 1.75% → 1.75% → 3.25%

Rate History: 4.75% → 4.15% → 4.05% → 3.75% → 3.25%

Rate History: 3.75% → 4.00% → 3.25%

Rate History: 2.70% → 2.85% → 3.00% → 3.20%

Rate History: 4.07% → 3.87% → 3.92% → 3.61% → 3.20%

The Golden 1


Restrictions

3.15%

3.05%

$100,000

$500

-

Learn More

Rate History: 3.00% → 2.90% → 2.80% → 3.00% → 3.10%

Rate History: 2.15% → 3.05%

Rate History: 2.02% → 3.04%

Rate History: 4.07% → 3.04%

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and was wondering what the criteria for becoming a member and depositing a CD of around $150k to $200k. We are looking to move a large some... Read More

Rate History: 5.75% → 4.07% → 3.25% → 3.10% → 3.00%

Rate History: 4.00% → 4.85% → 4.65% → 4.00% → 3.00%

Rate History: 1.21% → 3.00% → 3.00%

Rate History: 1.76% → 3.14% → 3.00%

Rate History: 3.60% → 3.75% → 4.00% → 3.25% → 3.00%

| Oct 9, 2023

Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More

Rate History: 3.00% → 2.90%

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

Rate History: 2.87% → 2.86% → 2.87% → 2.86% → 2.81%

| Aug 14, 2023

Staff customer service very poor. Long wait times due to limited staffing. Read More

Rate History: 3.30% → 3.15% → 3.00% → 2.75%

Rate History: 2.00% → 2.75%

Rate History: 0.55% → 2.75%

Rate History: 1.05% → 3.05% → 2.55%

Rate History: 3.50% → 5.25% → 3.50% → 4.00% → 2.50%

Rate History: 0.90% → 2.50% → 1.00% → 2.50%

| Aug 7, 2020

We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More

Rate History: 2.50% → 0.63% → 2.50%

Rate History: 2.00% → 2.50%

Rate History: 2.45% → 6.00%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

Ingersoll-rand


Restrictions

2.37%

$1,000

-

Learn More

Rate History: 1.45% → 2.20% → 2.30%

| Sep 11, 2020

Rate is now 2.01% Read More

Rate History: 2.17% → 2.27%

Rate History: 2.50% → 2.30% → 2.25% → 2.20% → 2.25%

Rate History: 4.00% → 3.50% → 3.00% → 2.50% → 2.25%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

30 MONTH BMP
Rate History: 3.40% → 0.30%

Rate History: 5.00% → 4.60% → 4.50% → 4.25% → 2.12%

| Dec 3, 2022

You should be embarrassed for the VERY LOW interest you are paying your membership on savings accounts!!! Why would you do to this to your members. Surprised you haven’t been losing these accounts to you... Read More

Rate History: 2.00% → 2.01%

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

Rate History: 2.86% → 5.00% → 4.45% → 4.10% → 2.00%

| Feb 6, 2023

max. amt. per account thats insured under your ncua? limit on how many accts? Read More

Rate History: 2.02% → 2.00%

Rate History: 3.25% → 2.00%

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

Rate History: 1.50% → 2.00%

1.91%

$1,000

-

Learn More

Rate History: 5.50% → 5.25% → 5.40% → 4.05% → 1.80%

Campus Usa


Restrictions

1.76%

1.51%

$25,000

$2,000

-

Learn More

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

Loco


Restrictions

1.75%

$500

-

Learn More

| Jul 7, 2019

wrong rate! Read More

1.70%

$500

-

Learn More

| May 10, 2020

You ve got this. With financial calculators, articles, FAQs and more you ll have all the resources you need to choose the right accounts and loans so you can save, spend, and borrow better. Read More

Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%

| Apr 13, 2021

Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More

Rate History: 1.85% → 1.35% → 1.30% → 1.10% → 1.55%

Ou


Restrictions

1.51%

$10,000

-

Learn More

Frontwave


Restrictions

1.50%

$1,000

-

Learn More

Rate History: 4.75% → 1.50% → 4.65% → 4.50% → 1.50%

Rate History: 5.00% → 4.00% → 2.50% → 2.00% → 1.50%

| Apr 25, 2021

It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

Rate History: 3.00% → 4.75% → 4.00% → 3.00% → 1.50%

| Dec 4, 2022

Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%. Read More

1.40%

1.25%

$100,000

$0

-

Learn More

Rate History: 0.50% → 1.00% → 1.40%

Rate History: 1.00% → 1.28%

Rate History: 1.11% → 1.26%

Wymar


Restrictions

1.15%

$75,000

-

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Members 1st


Restrictions

1.15%

1.10%
1.00%
0.90%
0.85%
0.80%

$1,000,000

$100,000
$75,000
$50,000
$10,000
$500

-

Learn More

Connex


Restrictions

1.10%

$500

-

Learn More

Rate History: 4.41% → 5.03% → 1.10%

1.01%

$10,000

-

Learn More

1.01%

$100,000

-

Learn More

Rate History: 5.13% → 4.60% → 4.34% → 3.93% → 1.01%

1.00%

$10,000

-

Learn More

Rate History: 1.60% → 1.70% → 1.00%

| Aug 11, 2021

Marie Read More

1.00%

$1,000

-

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Bp

Bp Branch
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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Chaffey


Restrictions

0.96%

$10,000

-

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Riverfall


Restrictions

0.95%

$10,000

-

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Guardians


Restrictions

0.95%

$10,000

-

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Wymar


Restrictions

0.91%

$1,000

-

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0.91%

$10,000

-

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Guadalupe Parish


Restrictions

0.91%

$100,000

-

Learn More

| Jan 14, 2021

Decent bank, good place for vehicle loans. Above average service on checking account, limited places to withdraw cash with ATM card and avoid fees. Avoid their home mortgage department, they are slow - t... Read More

0.90%

$10,000

-

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Fort Dodge Family


Restrictions

0.90%

$100,000

-

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1st Gateway


Restrictions

0.90%

$1,000

-

Learn More

Rate History: 0.90% → 4.50% → 4.25% → 1.00% → 0.90%

0.90%

$10,000

-

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0.88%

$100,000

-

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Kitsap


Restrictions

0.88%

$100,000

-

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0.85%

$10,000

-

Learn More

Dch


Restrictions

0.85%

$10,000

-

Learn More

0.85%

$100,000

-

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0.85%

$1,000

-

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0.85%

$100,000

-

Learn More

Grasslands


Restrictions

0.85%

$100,000

-

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Columbus Metro


Restrictions

0.85%

$100,000

-

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0.85%

$100,000

-

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0.82%

$100,000

-

Learn More

Cone


Restrictions

0.80%

$10,000

-

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0.80%

$1,000

-

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0.80%

$100,000

-

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Sun Community


Restrictions

0.80%

$100,000

-

Learn More

F & A


Restrictions

0.80%

$50,000

-

Learn More

Guardian


Restrictions

0.80%

$10,000

-

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0.80%

$100,000

-

Learn More

Alabama Teachers


Restrictions

0.80%

$10,000

-

Learn More

Spirit Of Alaska


Restrictions

0.80%

$10,000

-

Learn More

0.80%

$90,000

-

Learn More

Louisiana Usa


Restrictions

0.80%

$100,000

-

Learn More

| Jun 8, 2021

Call first. Rate is different Read More

| Sep 11, 2020

Rate is now 2.5% Read More

Wildfire


Restrictions

0.80%

$100,000

-

Learn More

Weokie


Restrictions

0.80%

$100,000

-

Learn More

Allegiance


Restrictions

0.80%

$100,000

-

Learn More

| Sep 1, 2021

Tom garrett Read More

0.80%

$10,000

-

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0.80%

$100,000

-

Learn More

0.80%

$100,000

-

Learn More

0.80%

$10,000

-

Learn More

Pcm


Restrictions

0.80%

$10,000

-

Learn More

Gsa


Restrictions

0.79%

$10,000

-

Learn More

Cenla


Restrictions

0.76%

$10,000

-

Learn More

K V


Restrictions

0.76%

$10,000

-

Learn More

Education 1st


Restrictions

0.76%

$500

-

Learn More

Mutual Savings


Restrictions

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$1,000

-

Learn More

F & A


Restrictions

0.75%

$1,000

-

Learn More

Hurricane Creek


Restrictions

0.75%

$10,000

-

Learn More

Coosa Pines


Restrictions

0.75%

$10,000

-

Learn More

Carter


Restrictions

0.75%

$10,000

-

Learn More

Aurora Schools


Restrictions

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

| Aug 12, 2021

There has been a change in MUCU in Albany, GA, Westover. It is not the friendly, helpful, hometown feel anymore. And they are taking away the convenience of local banking by closing some of its locations... Read More

0.75%

$500

-

Learn More

United 1st


Restrictions

0.75%

$100,000

-

Learn More

Honolulu


Restrictions

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

1st Resource


Restrictions

0.75%

$10,000

-

Learn More

| Oct 28, 2022

Avoid!! They advertise locations as providing full service when that is incorrect. After months of waiting, we were made a select employer group a month or so back. One employee tried to open an account at... Read More

Up Arkansas


Restrictions

0.75%

$10,000

-

Learn More

| Jul 17, 2019

CECU is the best kept secret in the Middle Georgia area! In 2019, CECU will be celebrating their 50th year in business! The credit union is not open to the general public. Their composition of members i... Read More

Sun Community


Restrictions

0.75%

$10,000

-

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0.75%

$10,000

-

Learn More

Jm Associates


Restrictions

0.75%

$100,000

-

Learn More

Credit Union 1


Restrictions

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

Members Choice


Restrictions

0.75%

$10,000

-

Learn More

Cse


Restrictions

0.75%

$1,000

-

Learn More

0.75%

$100,000

-

Learn More

West Michigan


Restrictions

0.75%

$100,000

-

Learn More

American 1


Restrictions

0.75%

$500

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

| Oct 20, 2019

What ATM machines will except cash Deposits for this bank Read More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

Abco


Restrictions

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

Western Sun


Restrictions

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

Riverfront


Restrictions

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

| 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

0.75%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

Vermont


Restrictions

0.75%

$10,000

-

Learn More

| Apr 4, 2020

I wish you had the old mail in service where could mail it in im 75 years old I wish we could mail in 5.00 or 25.0 at a time Read More

0.75%

$10,000

-

Learn More

United Arkansas


Restrictions

0.71%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

Green Mountain


Restrictions

0.70%

$10,000

-

Learn More

Everyone's


Restrictions

0.70%

$100,000

-

Learn More

Coasthills


Restrictions

0.70%

$100,000

-

Learn More

Sandia Laboratory


Restrictions

0.70%

$100,000

-

Learn More

Pikes Peak


Restrictions

0.70%

$10,000

-

Learn More

Honda


Restrictions

0.70%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More

Cobalt


Restrictions

0.70%

$100,000

-

Learn More

Five Star


Restrictions

0.70%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$100

-

Learn More

Communication


Restrictions

0.70%

$1,000

-

Learn More

Ouachita Valley


Restrictions

0.70%

$10,000

-

Learn More

Neighbors


Restrictions

0.70%

$10,000

-

Learn More

Safe Harbor


Restrictions

0.70%

$10,000

-

Learn More

United Financial


Restrictions

0.70%

$100,000

-

Learn More

0.70%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More
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 zip 10007


Branch Street City State
COMPLEX COMMUNITY
Complex Community Complex Community Branch
3800 E 52nd St, Suite 304 Odessa TX
EECU
Eecu Eecu Branch
1460 W Southlake Blvd Southlake TX
CREDIT UNION OF TEXAS
Credit Union Of Texa Credit Union Of Texa Branch
8131 LBJ FREEWAY, SUITE 550 DALLAS TX
COMPLEX COMMUNITY
Complex Community Complex Community Branch
3800 E 52nd St, Suite 304 Odessa TX
TEXAS PEOPLE
Texas People Texas People Branch
4613 Wellesley Ave Fort Worth TX
JSC
Monument Branch Monument Branch
2200 E 13th St Deer Park TX
TEXAS TRUST
Grand Prairie Vought Branch Grand Prairie Vought Branch
425 W Jefferson St Grand Prairie TX
TEXAS TRUST
Grand Prairie Vought Branch Grand Prairie Vought Branch
425 W Jefferson St Grand Prairie TX
ADVANCIAL
Advancial Advancial Branch
1845 WOODALL RODGERS FWY, SUITE 130 DALLAS TX
CREDIT HUMAN
San Antonio San Antonio Branch
6061 IH-10 West San Antonio TX
EASTMAN
Eastman Eastman Branch
149 Kodak Boulevard Longview TX
ADVANCIAL
Advancial Advancial Branch
1845 WOODALL RODGERS FWY, SUITE 130 DALLAS TX
EASTMAN
Eastman Eastman Branch
149 Kodak Boulevard Longview TX
CITY
City City Branch
7474 Ferguson Road Dallas TX
SPECTRUM
Spectrum Spectrum Branch
3000 Post Oak Blvd, Suite 150 Houston TX
CREDIT UNION OF TEXAS
Credit Union Of Texa Credit Union Of Texa Branch
8131 LBJ FREEWAY, SUITE 550 DALLAS TX
NECHES
Neches Neches Branch
776 Magnolia Ave Port Neches TX
ADVANCIAL
Advancial Advancial Branch
1845 WOODALL RODGERS FWY, SUITE 130 DALLAS TX
RANDOLPH-BROOKS
Randolph-brooks Randolph-brooks Branch
One Randolph Brooks Parkway Live Oak TX
ALLIANT
Iahcu Iahcu Branch
3500 N Terminal Rd Houston TX
AUSTIN TELCO
University Oaks University Oaks Branch
121 University Oaks Round Rock TX
PREMIER AMERICA
Premier America Premier America Branch
Carillon Shopping Center, 10001 Westheimer Rd, #25 Houston TX
TARRANT COUNTY'S CREDIT UNION
Tarrant County Tarrant County Branch
100 E. Weatherford Street #205 Fort Worth TX
UNIVERSITY
University University Branch
3305 Steck Ave Austin TX
NECHES
Neches Neches Branch
776 Magnolia Ave Port Neches TX
AUSTIN TELCO
University Oaks University Oaks Branch
121 University Oaks Round Rock TX
CHEVRON
Chevron Chevron Branch
1600 Smith Suite 3895 Houston TX
RANDOLPH-BROOKS
Randolph-brooks Randolph-brooks Branch
One Randolph Brooks Parkway Live Oak TX
A+
A+ A+ Branch
6420 E Highway 290 Austin TX
TARRANT COUNTY'S CREDIT UNION
Tarrant County Tarrant County Branch
100 E. Weatherford Street #205 Fort Worth TX
AUSTIN TELCO
University Oaks University Oaks Branch
121 University Oaks Round Rock TX
RALLY
Mccoll Branch Mccoll Branch
3010 S McColl Rd Edinburg TX
EECU
Eecu Eecu Branch
1460 W Southlake Blvd Southlake TX
UNIFY FINANCIAL
Western Western Branch
Toyota Motor Manufacturing, 1 Lone Star Pass, Buil San Antonio TX
VELOCITY
Velocity Velocity Branch
610 East 11th Street Austin TX
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
11445 COMPAQ CENTER WEST DR, Bldg. CCA05 Houston TX
SHELL
Shell Shell Branch
301 E 13th St Deer Park TX
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
5910 N. MacArthur Blvd. #140 Irving TX
FIRST COMMUNITY
First Community Cu O First Community Cu O Branch
15260 FM 529 Houston TX
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
5910 N. MacArthur Blvd. #140 Irving TX
SOARION
Air Force Air Force Branch
1560 Cable Ranch Road, Suite 200 San Antonio TX
SHELL
Shell Shell Branch
301 E 13th St Deer Park TX
FIRST COMMUNITY
First Community Cu O First Community Cu O Branch
15260 FM 529 Houston TX
DELTA COMMUNITY
Delta Community Delta Community Branch
100 North Kimball Avenue, Suite 103 Southlake TX
MEMBER PREFERRED
Member Preferred Member Preferred Branch
340 Blue Mound Rd., Ste. 342 Fort Worth TX
TEXAS PEOPLE
Texas People Texas People Branch
4613 Wellesley Ave Fort Worth TX
PENTAGON
Pentagon Pentagon Branch
761 Tank Battalion Avenue, & 37th Street B Fort Hood TX
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
15700 Long Vista Drive Austin TX
TEXAS DOW EMPLOYEES
Texas Dow Employees Texas Dow Employees Branch
1001 FM 2004 Lake Jackson TX
INVESTEX
Investex Credit Union Investex Credit Union Branch
5212 Atascocita Rd Humble TX
TEXAS DOW EMPLOYEES
Texas Dow Employees Texas Dow Employees Branch
1001 FM 2004 Lake Jackson TX
INVESTEX
Investex Credit Union Investex Credit Union Branch
5212 Atascocita Rd Humble TX
STAR OF TEXAS
Star Of Texas Credit Union Star Of Texas Credit Union Branch
114 E Huntland Dr. Austin TX
MEMBERS CHOICE
Members Choice Members Choice Branch
14960 Park Row Bv Houston TX
STAR OF TEXAS
Star Of Texas Credit Union Star Of Texas Credit Union Branch
114 E Huntland Dr. Austin TX
SECURITY FIRST
Security First Security First Branch
3515 S Jackson Road EDINBURG TX
STAR OF TEXAS
Star Of Texas Credit Union Star Of Texas Credit Union Branch
114 E Huntland Dr. Austin TX
SECURITY SERVICE
Security Service Security Service Branch
16211 La Cantera Pkwy San Antonio TX
SECURITY FIRST
Security First Security First Branch
3515 S Jackson Road EDINBURG TX
SECURITY SERVICE
Security Service Security Service Branch
16211 La Cantera Pkwy San Antonio TX
SECURITY FIRST
Security First Security First Branch
3515 S Jackson Road EDINBURG TX
CHARTWAY
Chartway Chartway Branch
3200 S Shepherd Drive Houston TX
SECURITY SERVICE
Security Service Security Service Branch
16211 La Cantera Pkwy San Antonio TX
SECURITY FIRST
Security First Security First Branch
3515 S Jackson Road EDINBURG TX
SOUTHWEST 66
Southwest 66 Southwest 66 Branch
4041 E 52nd Street Odessa TX
BAYER HERITAGE
Bayer Heritage Bayer Heritage Branch
8500 West Bay Rd. # 32 Baytown TX
SOUTHWEST HERITAGE
Southwest Heritage Southwest Heritage Branch
2809 JBS Parkway Odessa TX
BP
Bp Bp Branch
580 Westlake Park Blvd., Suite 150 Houston TX
1ST UNIVERSITY
1st University 1st University Branch
605 S. University Parks Dr. Waco TX
TEXAS TECH
Texas Tech Texas Tech Branch
1802 Texas Tech Parkway Lubbock TX
WESTEX
Westex Westex Branch
901 Avenue Q Lubbock TX
FAMILY 1ST OF TEXAS
Family 1st Of Texas Family 1st Of Texas Branch
3501 Western Center Blvd Fort Worth TX
UNION SQUARE
Burk Office Burk Office Branch
909 W Kramer Rd Burkburnett TX
CHEMCEL
Chemcel Chemcel Branch
5740 County Road 4 Bishop TX
HOUSTON
Houston Houston Branch
16320 Kensington Drive Sugar Land TX
GULF COAST EDUCATORS
Gulf Coast Educators Gulf Coast Educators Branch
5953 Fairmont Pkwy Pasadena TX
COMMUNITY RESOURCE
Community Resource Community Resource Branch
2900 Decker Drive Baytown TX
FORT WORTH COMMUNITY
Fort Worth Community Fort Worth Community Branch
1905 Forest Ridge Dr. Bedford TX
EAST TEXAS PROFESSIONAL
East Texas Professio East Texas Professio Branch
409 East Loop 281 Longview TX
DOCHES
Doches Doches Branch
920 NW Stallings Dr Nacogdoches TX
WICHITA FALLS TEACHERS
Wichita Falls Teache Wichita Falls Teache Branch
4301 Barnett Rd Wichita Falls TX
PRESTIGE COMMUNITY
Prestige Community Prestige Community Branch
15203 Knoll Trail, Suite 101 Dallas TX
TEXOMA COMMUNITY
Texoma Community Texoma Community Branch
3800 Sheppard Access Road Wichita Falls TX
FORT WORTH COMMUNITY
Fort Worth Community Fort Worth Community Branch
1905 Forest Ridge Dr. Bedford TX
MOBILITY CREDIT UNION
Monetary Monetary Branch
2101 Valwood Pkwy Farmers Branch TX
CHEMCEL
Chemcel Chemcel Branch
5740 County Road 4 Bishop TX
MEMBERS CHOICE OF CENTRAL TEXAS
Members Choice Of Ce Members Choice Of Ce Branch
4631 W Waco Dr Waco TX
SABINE
Sabine Sabine Branch
1939 Strickland Drive Orange TX
WALKER COUNTY
Walker County Walker County Branch
1802 Normal Park Huntsville TX
HOUSTON TEXAS FIRE FIGHTERS
Houston Texas Fire F Houston Texas Fire F Branch
4200 Kolb Street Houston TX
MEMORIAL
Drive Thru Location Drive Thru Location Branch
7500 Beechnut St Houston TX
CAL-COM
Cal-com Cal-com Branch
1401 N Virginia Port Lavaca TX
KELLY COMMUNITY
Kelly Community Fcu Branch 2 Kelly Community Fcu Branch 2
1409 E 5th St Tyler TX
HOUSTON
Houston Houston Branch
16320 Kensington Drive Sugar Land TX
COMMUNITY RESOURCE
Community Resource Community Resource Branch
2900 Decker Drive Baytown 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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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