Texas

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Credit Union CD Rates Houston, Texas 2019

Below are the best one year CD Rates from credit unions in Houston, 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.

Houston, TX - December 13, 2019

1 Year CD National Average : 0.91% ?

Advertiser Disclosure
Credit UnionS APY MIN MILES ?
A+
Restrictions
5.00% $10 5587.59
American Airlines
Restrictions
2.38% $10,000 5621.43
Cy-fair
Restrictions
2.35% $100,000 5471.49
2.27% $5,000 5503.11
Cal-com
Restrictions
2.21% $500 5513.52
2.20% $100,000 6057.65
First Technology
Restrictions
2.20% $50,000 5473.35
2.17% $500 5621.43
2.15% $90,000 5438.32
Jsc
Restrictions
2.12% $100,000 5439.00
Beacon
Restrictions
2.10% $1,000 5438.57
2.10% $95,000 5480.08
2.10% $10,000 6057.65
First Technology
Restrictions
2.10% $500 5473.35
2.07% $95,000 5626.43
2.05% $1,000 5438.32
Eastman
Restrictions
2.05% $1,000 5497.45
2.05% $1,000 5572.89
Shell
Restrictions
2.05% $100,000 5443.34
First Community
Restrictions
2.05% $100,000 5467.72
Shared Resources
Restrictions
2.02% $5,000 5446.52
Advancial
Restrictions
2.02% $50,000 5608.61
Jsc
Restrictions
2.02% $500 5439.00
Centex Citizens
Restrictions
2.02% $1,000 5562.42
Truity
Restrictions
2.00% $50,000 5465.04
Shell
Restrictions
2.00% $500 5443.34
2.00% $100,000 5504.30
2.00% $10,000 5610.59
2.00% $1,000 5427.21
2.00% $1,000 5480.08
Chevron
Restrictions
2.00% $500 6051.51
Delta Community
Restrictions
1.99% $1,000 5628.07
Fivepoint
Restrictions
1.97% $99,000 5395.87
Unify Financial
Restrictions
1.96% $100,000 5600.29
Premier America
Restrictions
1.95% $100,000 5462.18
Cy-fair
Restrictions
1.95% $5,000 5471.49
Air Force
Restrictions
1.95% $100,000 5610.19
1.92% $10,000 5626.43
1.92% $1,000 5551.33
1.91% $100,000 5501.63
1.90% $1,000 5504.30
University
Restrictions
1.90% $100,000 5594.51
Credit Human
Restrictions
1.90% $1,000 5470.20
Houston
Restrictions
1.90% $500 5465.44
First Community
Restrictions
1.90% $500 5467.72
Texell
Restrictions
1.90% $1,000 5588.72
Educators
Restrictions
1.87% $1,000 5591.00
Justice
Restrictions
1.86% $100,000 5460.91
Genco
Restrictions
1.86% $1,000 5468.19
Domino
Restrictions
1.86% $500 5495.49
Energy One
Restrictions
1.85% $100,000 5613.39
Endurance
Restrictions
1.85% $99,000 5460.11
1.85% $1,000 5861.61
Premier America
Restrictions
1.85% $10,000 5462.18
Smart Financial
Restrictions
1.85% $100,000 5460.17
Texas Trust
Restrictions
1.85% $98,000 5617.93
Westex
Restrictions
1.85% $10,000 5876.06
Pantex
Restrictions
1.82% $2,500 5912.53
Union Square
Restrictions
1.82% $1,000 5721.76
Velocity
Restrictions
1.82% $90,000 5586.33
Santa Fe
Restrictions
1.82% $500 5920.31
1.81% $1,000 5501.63
1.81% $1,000 5608.12
Amoco
Restrictions
1.81% $1,000 5425.47
Advancial
Restrictions
1.81% $1,000 5608.61
Air Force
Restrictions
1.80% $2,500 5610.19
1.80% $10,000 5609.91
United Community
Restrictions
1.80% $1,000 5450.03
Intouch
Restrictions
1.80% $1,000 5614.00
Greater Texas
Restrictions
1.80% $95,000 5587.28
River City
Restrictions
1.80% $100,000 5602.16
Fort Worth City
Restrictions
1.80% $95,000 5634.60
Eecu
Restrictions
1.80% $50,000 5633.70
Education
Restrictions
1.80% $10,000 5923.49
Fivepoint
Restrictions
1.77% $1,000 5395.87
Texas Tech
Restrictions
1.77% $1,000 5878.22
Justice
Restrictions
1.76% $500 5460.91
Dugood
Restrictions
1.76% $100,000 5408.09
Ep
Restrictions
1.76% $1,000 5637.98
North East Texas
Restrictions
1.76% $1,000 5510.79
Kerr County
Restrictions
1.76% $1,000 5647.62
Neches
Restrictions
1.76% $1,000 5393.48
1.76% $10,000 5511.92
Mobiloil
Restrictions
1.76% $1,000 5407.88
River City
Restrictions
1.75% $1,000 5602.16
Texasgulf
Restrictions
1.75% $500 5481.37
Texas Trust
Restrictions
1.75% $500 5617.93
Eecu
Restrictions
1.75% $1,000 5633.70
Texoma Community
Restrictions
1.75% $1,000 5724.37
Unify Financial
Restrictions
1.75% $1,000 5600.29
Neighborhood
Restrictions
1.75% $2,500 5613.18
1.75% $1,000 5876.56
Mil-way
Restrictions
1.75% $2,500 5496.20
Energy One
Restrictions
1.75% $1,000 5613.39
1.73% $100,000 5604.97
Windthorst
Restrictions
1.71% $100,000 5707.99
Texas Bay
Restrictions
1.71% $1,000 5445.22
Great Plains
Restrictions
1.71% $10,000 5385.68
The People's
Restrictions
1.71% $5,000 5922.57
1.71% $10,000 5602.08
First Central
Restrictions
1.70% $1,000 0.00
1.70% $1,000 5604.97
Smart Financial
Restrictions
1.70% $1,000 5460.17
Pentagon
Restrictions
1.70% $1,000 5610.63
Fort Worth City
Restrictions
1.70% $1,000 5634.60
1.70% $1,000 5452.30
Endurance
Restrictions
1.70% $10,000 5460.11
Kelly Community
Restrictions
1.66% $1,000 5522.97
Harris County
Restrictions
1.66% $500 5456.27
Greater Texas
Restrictions
1.65% $1,000 5587.28
Security Service
Restrictions
1.65% $100,000 5613.96
1.65% $100,000 5588.79
University
Restrictions
1.65% $1,000 5594.51
First Service
Restrictions
1.65% $50,000 5455.06
Postel Family
Restrictions
1.61% $1,000 5721.82
1.61% $1,000 5724.86
Gecu
Restrictions
1.61% $100,000 6051.19
A+
Restrictions
1.61% $1,000 5587.59
Austin Telco
Restrictions
1.61% $95,000 5588.94
Texar
Restrictions
1.60% $1,000 5496.32
Access Community
Restrictions
1.60% $5,000 5921.53
Chemcel
Restrictions
1.60% $75,000 5521.88
Xceed Financial
Restrictions
1.60% $500 5623.82
Truity
Restrictions
1.60% $500 5465.04
Members Choice
Restrictions
1.60% $50,000 5471.31
Las Colinas
Restrictions
1.58% $1,000 5618.97
1.56% $10,000 5523.95
People's Trust
Restrictions
1.56% $10,000 5456.74
First Service
Restrictions
1.55% $1,000 5455.06
Firstlight
Restrictions
1.55% $100,000 6054.29
Security Service
Restrictions
1.55% $500 5613.96
Dugood
Restrictions
1.51% $1,000 5408.09
Education First
Restrictions
1.51% $500 5407.68
Austin Telco
Restrictions
1.51% $1,000 5588.94
1.51% $10,000 5619.08
Randolph-brooks
Restrictions
1.51% $5,000 5598.13
1.51% $1,000 5662.64
Energy Capital
Restrictions
1.51% $1,000 5471.65
Members First
Restrictions
1.51% $500 5504.33
Velocity
Restrictions
1.51% $1,000 5586.33
1.51% $5,000 5923.49
Gecu
Restrictions
1.51% $50 6051.19
White Sands
Restrictions
1.51% $25,000 6055.70
Geico
Restrictions
1.51% $1,000 5614.52
Chemcel
Restrictions
1.50% $1,000 5521.88
Resource One
Restrictions
1.50% $90,000 5607.55
1.50% $50,000 6045.34
Sabine
Restrictions
1.50% $1,000 5388.06
Windthorst
Restrictions
1.50% $1,000 5707.99
Firstmark
Restrictions
1.50% $100,000 5604.99
Members Choice
Restrictions
1.50% $500 5471.31
Gulf Coast
Restrictions
1.50% $500 5502.72
Security Service
Restrictions
1.50% $100,000 5613.96
City
Restrictions
1.50% $1,000 5604.70
Firstlight
Restrictions
1.45% $500 6054.29
One Source
Restrictions
1.41% $50,000 6050.13
White Sands
Restrictions
1.41% $1,000 6055.70
1.41% $1,000 5503.11
1.41% $1,000 5393.91
Relyon
Restrictions
1.41% $1,000 5613.18
Border
Restrictions
1.40% $100,000 5720.40
Firstmark
Restrictions
1.40% $500 5604.99
Resource One
Restrictions
1.40% $500 5607.55
Security Service
Restrictions
1.40% $500 5613.96
Truwest
Restrictions
1.40% $500 5587.03
1.40% $500 6045.34
Community Service
Restrictions
1.36% $75,000 5491.84
Assemblies Of God
Restrictions
1.36% $10,000 5600.28
1.36% $1,000 5606.53
Datcu
Restrictions
1.31% $1,000 5631.49
One Source
Restrictions
1.31% $500 6050.13
1.26% $1,000 5443.27
Community Service
Restrictions
1.26% $1,000 5491.84
Bayer Heritage
Restrictions
1.26% $500 5434.25
1.26% $100,000 5441.63
Capitol
Restrictions
1.25% $1,000 5588.95
Border
Restrictions
1.25% $10,000 5720.40
Ohio Catholic
Restrictions
1.25% $100,000 -
First Abilene
Restrictions
1.25% $1,000 5742.06
Security Service
Restrictions
1.25% $100,000 5613.96
1.25% $500 5588.79
Primeway
Restrictions
1.25% $1,000 5457.03
Abilene Teachers
Restrictions
1.21% $100,000 5743.06
Wellspring
Restrictions
1.21% $1,000 5388.89
United Heritage
Restrictions
1.20% $1,000 5589.21
1.16% $1,000 5441.63
1.16% $500 5743.57
Ohio Catholic
Restrictions
1.15% $25,000 -
Altra
Restrictions
1.15% $100,000 5519.65
Security Service
Restrictions
1.15% $500 5613.96
F A A
Restrictions
1.13% $50,000 5460.34
Riverland
Restrictions
1.10% $10,000 5472.33
Texas Bridge
Restrictions
1.10% $1,000 5507.06
F A A
Restrictions
1.10% $500 5460.34
Memorial
Restrictions
1.10% $1,000 5462.75
H E B
Restrictions
1.08% $10,000 5605.31
1.05% $1,000 5601.78
Security Service
Restrictions
1.05% $100,000 5613.96
Valley
Restrictions
1.01% $10,000 5467.66
1.01% $1,000 5483.86
Intouch
Restrictions
1.01% $25 5614.00
1.01% $1,000 5888.65
1.01% $1,000 5393.99
Security First
Restrictions
1.00% $100,000 5512.67
Abilene Teachers
Restrictions
1.00% $500 5743.06
Concho Educators
Restrictions
1.00% $500 5750.96
Texans
Restrictions
1.00% $1,000 5609.42
1.00% $1,000 5749.97
Rockdale
Restrictions
1.00% $1,000 5561.14
Ohio Catholic
Restrictions
1.00% $500 -
Nascoga
Restrictions
1.00% $1,000 5648.69
0.95% $500 5890.73
Walker County
Restrictions
0.95% $1,000 5491.65
Altra
Restrictions
0.95% $1,000 5519.65
Investex
Restrictions
0.95% $1,000 5461.75
Security Service
Restrictions
0.95% $500 5613.96
0.90% $2,500 5741.78
0.90% $1,000 5553.28
1st Community
Restrictions
0.90% $1,000 5751.32
0.90% $500 5685.48
0.90% $1,000 5458.95
Baycel
Restrictions
0.90% $2,500 5466.07
0.85% $1,000 5467.21
0.85% $2,500 5519.42
0.85% $50,000 5853.89
0.80% $1,000 5517.56
Southwest 66
Restrictions
0.80% $1,000 5855.14
0.75% $1,000 5592.33
0.75% $1,000 5750.29
0.75% $500 5751.42
Security First
Restrictions
0.75% $1,000 5512.67
Golden Triangle
Restrictions
0.75% $1,000 5391.01
0.75% $75,000 5844.84
0.75% $1,000 5853.89
Citizens
Restrictions
0.70% $90,000 5820.50
Secured Advantage
Restrictions
0.70% $500 5732.64
0.60% $1,000 5605.11
First Basin
Restrictions
0.60% $1,000 5856.74
0.60% $500 5854.77
Gulf
Restrictions
0.55% $500 5390.93
0.55% $1,000 5844.84
Mtcu
Restrictions
0.54% $99,000 5847.43
Mtcu
Restrictions
0.44% $1,000 5847.43
Members Financial
Restrictions
0.40% $50,000 5845.51
Laredo
Restrictions
0.40% $1,000 5604.85
0.35% $10,000 5589.23
Go
Restrictions
0.30% $1,000 5609.70
0.30% $2,500 6055.04
Citizens
Restrictions
0.30% $5,000 5820.50
Members Financial
Restrictions
0.30% $10,000 5845.51
Heritage Usa
Restrictions
0.25% $500 5848.88
West Texas
Restrictions
0.25% $1,000 5855.27
0.20% $1,000 5589.69
Austin
Restrictions
0.15% $1,000 5582.79
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 2019

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 (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.

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