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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 - May 22, 2018

1 Year CD National Average : 0.69% ?

Advertiser Disclosure
Credit Union APY MIN MILES ?
Air Force
Restrictions
2.30% $2,500 -
2.22% $500 -
Pentagon
Restrictions
2.12% $1,000 -
Credit Human
Restrictions
2.10% $10,000 -
Advancial
Restrictions
2.05% $50,000 -
Eastman
Restrictions
2.00% $1,000 -
Alliant
Restrictions
2.00% $1,000 -
Chevron
Restrictions
2.00% $500 -
American Airlines
Restrictions
1.92% $10,000 -
Justice
Restrictions
1.86% $500 -
Austin Telco
Restrictions
1.86% $95,000 -
1.85% $100,000 -
Advancial
Restrictions
1.85% $1,000 -
1.81% $500 -
Randolph-brooks
Restrictions
1.81% $5,000 -
Intouch
Restrictions
1.80% $1,000 -
Jsc
Restrictions
1.76% $100,000 -
1.76% $10,000 -
Gulf Coast
Restrictions
1.75% $500 -
First Community
Restrictions
1.75% $100,000 -
Texoma Educators
Restrictions
1.73% $10,000 -
Firstlight
Restrictions
1.71% $100,000 -
Members Choice
Restrictions
1.70% $50,000 -
Mtcu
Restrictions
1.70% $99,000 -
Fort Worth City
Restrictions
1.70% $95,000 -
Jsc
Restrictions
1.66% $500 -
First Service
Restrictions
1.65% $50,000 -
Mil-way
Restrictions
1.65% $2,500 -
Texar
Restrictions
1.61% $1,000 -
1.61% $95,000 -
Austin Telco
Restrictions
1.61% $1,000 -
Members Choice
Restrictions
1.60% $500 -
Security Service
Restrictions
1.60% $100,000 -
Mtcu
Restrictions
1.60% $1,000 -
Fort Worth City
Restrictions
1.60% $1,000 -
1.60% $99,000 -
1.60% $100,000 -
1.56% $10,000 -
Gecu
Restrictions
1.56% $50,000 -
1.55% $10,000 -
First Service
Restrictions
1.55% $1,000 -
Texoma Community
Restrictions
1.51% $1,000 -
Bayer Heritage
Restrictions
1.51% $500 -
Bp
Restrictions
1.51% $1,000 -
Synergy
Restrictions
1.51% $1,000 -
1.51% $1,000 -
1.51% $10,000 -
Educators
Restrictions
1.51% $1,000 -
First Community
Restrictions
1.50% $500 -
Security Service
Restrictions
1.50% $500 -
Neighborhood
Restrictions
1.50% $2,500 -
City
Restrictions
1.50% $500 -
1.50% $10,000 -
Gecu
Restrictions
1.46% $50 -
1.46% $100,000 -
1.46% $50,000 -
Shell
Restrictions
1.45% $100,000 -
1.45% $1,000 -
River City
Restrictions
1.45% $100,000 -
People's Trust
Restrictions
1.41% $10,000 -
White Sands
Restrictions
1.41% $25,000 -
Firstlight
Restrictions
1.41% $500 -
Domino
Restrictions
1.41% $500 -
Shell
Restrictions
1.40% $500 -
Truity
Restrictions
1.40% $500 -
River City
Restrictions
1.40% $1,000 -
1.36% $1,000 -
1.36% $100,000 -
Go
Restrictions
1.36% $1,000 -
1.36% $500 -
Santa Fe
Restrictions
1.36% $500 -
Security Service
Restrictions
1.35% $100,000 -
Firstmark
Restrictions
1.35% $100,000 -
Eecu
Restrictions
1.35% $50,000 -
Premier America
Restrictions
1.35% $10,000 -
White Sands
Restrictions
1.31% $1,000 -
Pantex
Restrictions
1.31% $2,500 -
Houston
Restrictions
1.30% $500 -
1.30% $1,000 -
Eecu
Restrictions
1.30% $1,000 -
Texas Tech
Restrictions
1.27% $1,000 -
Genco
Restrictions
1.26% $1,000 -
Union Square
Restrictions
1.26% $1,000 -
Texas Bay
Restrictions
1.26% $50,000 -
Datcu
Restrictions
1.26% $1,000 -
Windthorst
Restrictions
1.26% $100,000 -
Truwest
Restrictions
1.25% $100,000 -
Firstmark
Restrictions
1.25% $500 -
Security Service
Restrictions
1.25% $500 -
1.25% $100,000 -
Texas Trust
Restrictions
1.25% $98,000 -
1.25% $50,000 -
1.25% $5,000 -
Xceed Financial
Restrictions
1.25% $500 -
Ep
Restrictions
1.21% $1,000 -
Shared Resources
Restrictions
1.21% $10,000 -
Unify Financial
Restrictions
1.21% $100,000 -
Truwest
Restrictions
1.20% $1,000 -
First Central
Restrictions
1.20% $1,000 -
Energy One
Restrictions
1.20% $1,000 -
A+
Restrictions
1.16% $1,000 -
Baxter
Restrictions
1.15% $500 -
1.15% $1,000 -
Windthorst
Restrictions
1.15% $1,000 -
Texas Trust
Restrictions
1.15% $500 -
Kelly Community
Restrictions
1.12% $1,000 -
Memorial
Restrictions
1.11% $1,000 -
1.10% $100,000 -
Riverland
Restrictions
1.10% $10,000 -
Texell
Restrictions
1.10% $1,000 -
Velocity
Restrictions
1.10% $1,000 -
Great Plains
Restrictions
1.10% $10,000 -
Delta Community
Restrictions
1.10% $1,000 -
Security Service
Restrictions
1.10% $100,000 -
1.06% $10,000 -
Texas Bay
Restrictions
1.06% $1,000 -
1.06% $1,000 -
One Source
Restrictions
1.05% $50,000 -
Membersource
Restrictions
1.05% $500 -
Greater Texas
Restrictions
1.01% $1,000 -
Mobiloil
Restrictions
1.01% $1,000 -
Postel Family
Restrictions
1.00% $1,000 -
Security Service
Restrictions
1.00% $500 -
Security First
Restrictions
1.00% $100,000 -
Texas Bridge
Restrictions
1.00% $25,000 -
1.00% $1,000 -
1.00% $2,500 -
Unify Financial
Restrictions
1.00% $1,000 -
Neches
Restrictions
1.00% $1,000 -
Sabine
Restrictions
1.00% $1,000 -
Dugood
Restrictions
1.00% $1,000 -
1.00% $100,000 -
First Abilene
Restrictions
1.00% $1,000 -
1.00% $1,000 -
Concho Educators
Restrictions
1.00% $500 -
1.00% $90,000 -
1.00% $1,000 -
The People's
Restrictions
1.00% $5,000 -
0.95% $1,000 -
Fivepoint
Restrictions
0.95% $1,000 -
0.95% $1,000 -
One Source
Restrictions
0.95% $500 -
Kerr County
Restrictions
0.95% $1,000 -
0.90% $1,000 -
Texas Bridge
Restrictions
0.90% $1,000 -
Cal-com
Restrictions
0.90% $500 -
0.90% $100,000 -
Smart Financial
Restrictions
0.90% $90,000 -
Security Service
Restrictions
0.90% $500 -
0.90% $1,000 -
Education First
Restrictions
0.90% $500 -
Unity One
Restrictions
0.90% $500 -
Community Service
Restrictions
0.85% $75,000 -
United Community
Restrictions
0.85% $1,000 -
Border
Restrictions
0.85% $100,000 -
Westex
Restrictions
0.80% $10,000 -
Members First
Restrictions
0.80% $500 -
0.80% $1,000 -
Amoco
Restrictions
0.80% $1,000 -
Abilene Teachers
Restrictions
0.80% $100,000 -
0.80% $75,000 -
Geico
Restrictions
0.80% $1,000 -
H E B
Restrictions
0.76% $10,000 -
Security First
Restrictions
0.75% $1,000 -
0.75% $1,000 -
Beacon
Restrictions
0.75% $1,000 -
0.75% $1,000 -
Smart Financial
Restrictions
0.75% $1,000 -
Community Service
Restrictions
0.75% $1,000 -
Resource One
Restrictions
0.75% $500 -
0.75% $1,000 -
First Technology
Restrictions
0.75% $500 -
Wellspring
Restrictions
0.70% $1,000 -
0.70% $1,000 -
Southwest 66
Restrictions
0.70% $1,000 -
Chemcel
Restrictions
0.70% $75,000 -
Nascoga
Restrictions
0.70% $1,000 -
Citizens
Restrictions
0.70% $90,000 -
Doches
Restrictions
0.70% $2,000 -
Valley
Restrictions
0.65% $10,000 -
Primeway
Restrictions
0.65% $1,000 -
0.65% $10,000 -
Centex Citizens
Restrictions
0.65% $1,000 -
Altra
Restrictions
0.65% $100,000 -
F A A
Restrictions
0.65% $50,000 -
F A A
Restrictions
0.62% $500 -
0.60% $1,000 -
0.60% $1,000 -
0.60% $2,500 -
North East Texas
Restrictions
0.60% $1,000 -
Abilene Teachers
Restrictions
0.60% $500 -
0.60% $1,000 -
First Basin
Restrictions
0.60% $1,000 -
Chemcel
Restrictions
0.60% $1,000 -
0.60% $500 -
1st Community
Restrictions
0.55% $1,000 -
Investex
Restrictions
0.55% $1,000 -
Assemblies Of God
Restrictions
0.55% $1,000 -
0.55% $500 -
Gulf
Restrictions
0.55% $500 -
Lufkin
Restrictions
0.55% $10,000 -
0.50% $1,000 -
0.50% $500 -
Southland
Restrictions
0.50% $10,000 -
0.50% $1,000 -
Golden Triangle
Restrictions
0.50% $1,000 -
Rockdale
Restrictions
0.50% $1,000 -
Go
Restrictions
0.50% $99,000 -
0.50% $10,000 -
Border
Restrictions
0.50% $10,000 -
United Heritage
Restrictions
0.45% $1,000 -
0.45% $1,000 -
Secured Advantage
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 -
Capitol
Restrictions
0.40% $1,000 -
0.40% $500 -
0.40% $1,000 -
Members Financial
Restrictions
0.40% $50,000 -
0.35% $10,000 -
0.35% $1,000 -
Texas Partners
Restrictions
0.35% $500 -
Members
Restrictions
0.35% $1,000 -
0.30% $1,000 -
Walker County
Restrictions
0.30% $1,000 -
Citizens
Restrictions
0.30% $5,000 -
Go
Restrictions
0.30% $1,000 -
0.30% $2,500 -
Members Financial
Restrictions
0.30% $10,000 -
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 -
Cy-fair
Restrictions
0.08% $1,000 -
0.05% $1,000 -
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 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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