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Texas Credit Union CD Rates 2018

Below are the best one year CD Rates from credit unions in Texas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

TX - February 24, 2018

1 Year CD National Average : 0.58% ?

Advertiser Disclosure
Credit Union APY MIN MILES ?
Advancial
Restrictions
1.95% $50,000 -
Pentagon
Restrictions
1.87% $1,000 -
Texoma Educators
Restrictions
1.86% $10,000 -
1.81% $500 -
Alliant
Restrictions
1.75% $1,000 -
Advancial
Restrictions
1.74% $1,000 -
1.66% $10,000 -
Chevron
Restrictions
1.65% $500 -
Credit Human
Restrictions
1.60% $10,000 -
First Community
Restrictions
1.60% $100,000 -
Texar
Restrictions
1.59% $1,000 -
Air Force
Restrictions
1.56% $2,500 -
American Airlines
Restrictions
1.56% $10,000 -
Jsc
Restrictions
1.56% $100,000 -
Intouch
Restrictions
1.56% $1,000 -
1.55% $100,000 -
Members Choice
Restrictions
1.50% $50,000 -
Mil-way
Restrictions
1.50% $2,500 -
Neighborhood
Restrictions
1.50% $2,500 -
City Credit Union
Restrictions
1.50% $500 -
Jsc
Restrictions
1.46% $500 -
Randolph-brooks
Restrictions
1.46% $5,000 -
Firstlight
Restrictions
1.46% $100,000 -
1.45% $10,000 -
1.45% $1,000 -
River City
Restrictions
1.45% $100,000 -
1.45% $10,000 -
1.45% $50,000 -
Austin Telco
Restrictions
1.41% $95,000 -
Gecu
Restrictions
1.41% $50,000 -
Members Choice
Restrictions
1.40% $500 -
River City
Restrictions
1.40% $1,000 -
Security Service
Restrictions
1.40% $100,000 -
Eastman
Restrictions
1.40% $1,000 -
Security Service
Restrictions
1.35% $100,000 -
First Community
Restrictions
1.35% $500 -
1.35% $1,000 -
Fort Worth City
Restrictions
1.35% $95,000 -
Domino
Restrictions
1.34% $500 -
1.31% $100,000 -
1.31% $10,000 -
Austin Telco
Restrictions
1.31% $1,000 -
Gecu
Restrictions
1.31% $50 -
Security Service
Restrictions
1.30% $500 -
Shell
Restrictions
1.30% $100,000 -
Truity
Restrictions
1.30% $50,000 -
1.26% $50,000 -
Gecu
Restrictions
1.26% $50,000 -
1.26% $100,000 -
1.26% $1,000 -
Synergy
Restrictions
1.26% $1,000 -
Bayer Heritage
Restrictions
1.26% $500 -
Windthorst
Restrictions
1.26% $100,000 -
Texoma Community
Restrictions
1.26% $1,000 -
Security Service
Restrictions
1.25% $500 -
Shell
Restrictions
1.25% $500 -
Fort Worth City
Restrictions
1.25% $1,000 -
Bp
Restrictions
1.25% $1,000 -
Truity
Restrictions
1.25% $500 -
Shared Resources
Restrictions
1.21% $10,000 -
White Sands
Restrictions
1.21% $25,000 -
Unify Financial
Restrictions
1.21% $100,000 -
Energy One
Restrictions
1.20% $1,000 -
First Service
Restrictions
1.20% $50,000 -
1.16% $95,000 -
1.16% $1,000 -
Firstlight
Restrictions
1.16% $500 -
1.16% $500 -
Texas Bay
Restrictions
1.16% $50,000 -
Firstmark
Restrictions
1.15% $100,000 -
Windthorst
Restrictions
1.15% $1,000 -
Premier America
Restrictions
1.15% $10,000 -
Educators
Restrictions
1.11% $1,000 -
White Sands
Restrictions
1.11% $1,000 -
Santa Fe
Restrictions
1.11% $500 -
People's Trust
Restrictions
1.10% $10,000 -
Great Plains
Restrictions
1.10% $10,000 -
Riverland
Restrictions
1.10% $10,000 -
Security Service
Restrictions
1.10% $100,000 -
Firstmark
Restrictions
1.06% $500 -
1.06% $1,000 -
1.06% $10,000 -
Pantex
Restrictions
1.06% $2,500 -
1.06% $10,000 -
1.05% $5,000 -
Mobiloil
Restrictions
1.01% $1,000 -
Ep
Restrictions
1.01% $1,000 -
Union Square
Restrictions
1.01% $1,000 -
Kelly Community
Restrictions
1.01% $1,000 -
Security First
Restrictions
1.00% $100,000 -
Gulf Coast
Restrictions
1.00% $500 -
1.00% $2,500 -
1.00% $90,000 -
1.00% $500 -
1.00% $50,000 -
First Central
Restrictions
1.00% $1,000 -
Security Service
Restrictions
1.00% $500 -
1.00% $1,000 -
Genco
Restrictions
1.00% $1,000 -
Unify Financial
Restrictions
1.00% $1,000 -
1.00% $100,000 -
1.00% $100,000 -
Postel Family
Restrictions
1.00% $1,000 -
Delta Community
Restrictions
1.00% $1,000 -
Texell
Restrictions
1.00% $1,000 -
Dugood
Restrictions
1.00% $1,000 -
Texas Tech
Restrictions
1.00% $1,000 -
Texas Bay
Restrictions
0.95% $1,000 -
Baxter
Restrictions
0.95% $500 -
Velocity
Restrictions
0.95% $1,000 -
A+
Restrictions
0.95% $1,000 -
Fivepoint
Restrictions
0.95% $1,000 -
0.95% $1,000 -
0.90% $1,000 -
Neches
Restrictions
0.90% $1,000 -
0.90% $1,000 -
Sabine
Restrictions
0.90% $1,000 -
Education First
Restrictions
0.90% $500 -
0.90% $1,000 -
Unity One
Restrictions
0.90% $500 -
Texas Trust
Restrictions
0.90% $500 -
Eecu
Restrictions
0.90% $50,000 -
Xceed Financial
Restrictions
0.90% $500 -
Security Service
Restrictions
0.90% $500 -
Smart Financial
Restrictions
0.90% $90,000 -
Texas Bridge
Restrictions
0.90% $25,000 -
Datcu
Restrictions
0.90% $1,000 -
The People's
Restrictions
0.90% $5,000 -
0.90% $100,000 -
0.90% $1,000 -
Membersource
Restrictions
0.85% $500 -
Eecu
Restrictions
0.85% $1,000 -
0.85% $10,000 -
United Community
Restrictions
0.85% $1,000 -
Truwest
Restrictions
0.85% $100,000 -
Justice
Restrictions
0.85% $500 -
Community Service
Restrictions
0.83% $75,000 -
Members First
Restrictions
0.80% $500 -
Westex
Restrictions
0.80% $10,000 -
0.80% $1,000 -
Texas Bridge
Restrictions
0.80% $1,000 -
Amoco
Restrictions
0.80% $1,000 -
0.80% $2,500 -
Truwest
Restrictions
0.80% $1,000 -
0.80% $1,000 -
H E B
Restrictions
0.76% $10,000 -
Security First
Restrictions
0.75% $1,000 -
First Technology
Restrictions
0.75% $500 -
0.75% $1,000 -
Smart Financial
Restrictions
0.75% $1,000 -
0.75% $1,000 -
Community Service
Restrictions
0.73% $1,000 -
Wellspring
Restrictions
0.70% $1,000 -
0.70% $1,000 -
Cal-com
Restrictions
0.70% $500 -
0.70% $1,000 -
Citizens
Restrictions
0.70% $90,000 -
Chemcel
Restrictions
0.70% $75,000 -
Southwest 66
Restrictions
0.70% $1,000 -
Mtcu
Restrictions
0.69% $99,000 -
Valley
Restrictions
0.65% $10,000 -
Primeway
Restrictions
0.65% $1,000 -
Border
Restrictions
0.65% $100,000 -
Centex Citizens
Restrictions
0.65% $1,000 -
0.65% $75,000 -
Resource One
Restrictions
0.65% $500 -
Altra
Restrictions
0.65% $100,000 -
0.60% $1,000 -
0.60% $1,000 -
0.60% $2,500 -
Beacon
Restrictions
0.60% $1,000 -
0.60% $100,000 -
First Basin
Restrictions
0.60% $1,000 -
0.60% $500 -
North East Texas
Restrictions
0.60% $1,000 -
First Abilene
Restrictions
0.60% $1,000 -
Nascoga
Restrictions
0.60% $1,000 -
Chemcel
Restrictions
0.60% $1,000 -
Abilene Teachers
Restrictions
0.60% $100,000 -
0.60% $1,000 -
0.60% $100,000 -
Mtcu
Restrictions
0.59% $1,000 -
Investex
Restrictions
0.55% $1,000 -
Gulf
Restrictions
0.55% $500 -
1st Community
Restrictions
0.55% $1,000 -
0.55% $50,000 -
Geico
Restrictions
0.55% $1,000 -
Lufkin
Restrictions
0.55% $10,000 -
0.50% $1,000 -
0.50% $500 -
Southland
Restrictions
0.50% $10,000 -
0.50% $1,000 -
0.50% $10,000 -
Golden Triangle
Restrictions
0.50% $1,000 -
Rockdale
Restrictions
0.50% $100,000 -
One Source
Restrictions
0.50% $50,000 -
Go
Restrictions
0.50% $99,000 -
0.50% $10,000 -
Greater Texas
Restrictions
0.50% $1,000 -
Border
Restrictions
0.50% $10,000 -
0.50% $500 -
F A A
Restrictions
0.48% $50,000 -
0.45% $1,000 -
0.45% $1,000 -
Kerr County
Restrictions
0.45% $1,000 -
United Heritage
Restrictions
0.45% $1,000 -
0.45% $1,000 -
Secured Advantage
Restrictions
0.45% $500 -
F A A
Restrictions
0.45% $500 -
Altra
Restrictions
0.45% $1,000 -
0.45% $1,000 -
Dallas
Restrictions
0.41% $1,000 -
0.40% $500 -
0.40% $1,000 -
Laredo
Restrictions
0.40% $1,000 -
Rockdale
Restrictions
0.40% $1,000 -
0.40% $10,000 -
Abilene Teachers
Restrictions
0.40% $500 -
0.40% $1,000 -
Members Financial
Restrictions
0.40% $50,000 -
One Source
Restrictions
0.40% $500 -
Concho Educators
Restrictions
0.40% $500 -
0.40% $500 -
0.35% $1,000 -
Texas Partners
Restrictions
0.35% $500 -
Members
Restrictions
0.35% $1,000 -
0.35% $10,000 -
0.30% $1,000 -
Walker County
Restrictions
0.30% $1,000 -
Citizens
Restrictions
0.30% $5,000 -
Members Financial
Restrictions
0.30% $10,000 -
0.30% $2,500 -
Go
Restrictions
0.30% $1,000 -
Heritage Usa
Restrictions
0.25% $500 -
West Texas
Restrictions
0.20% $1,000 -
Texans
Restrictions
0.20% $1,000 -
0.15% $1,000 -
Austin
Restrictions
0.15% $1,000 -
Memorial
Restrictions
0.10% $1,000 -
Cy-fair
Restrictions
0.08% $1,000 -
0.05% $1,000 -

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2018

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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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

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