Credit union · NCUA insured
4U Credit Union CD Rates
4U Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 17, 2026.
How 4U Credit Union’s CD rates compare
Compared with banks and credit unions near Sherman, TX, where 4U Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
4U Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $189
Share Certificates
Top rate
Neighborhood Credit Union
4.40%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $553
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
4U Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo2.53%
- QualifiedQualified3.82%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 4U Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.82%APY · 7 terms
Dividends paid quarterly. Early withdrawal penalties apply (30 days' dividends for terms of 12 months or less; 90 days' dividends for terms longer than 12 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days' dividends | 2.27% | $56 |
| 6 monthsEarly withdrawal penalty is 30 days' dividends | 3.82% | $189 |
| 9 monthsEarly withdrawal penalty is 30 days' dividends | 3.56% | $266 |
| 12 monthsEarly withdrawal penalty is 30 days' dividends | 3.56% | $356 |
| 18 monthsEarly withdrawal penalty is 90 days' dividends | 2.79% | $421 |
| 24 monthsEarly withdrawal penalty is 90 days' dividends | 2.53% | $512 |
| 36 monthsEarly withdrawal penalty is 90 days' dividends | 2.53% | $778 |
Special-purpose accounts
IRA Share Certificates
Up to 3.82%APY · 7 terms
Dividends paid quarterly. Early withdrawal penalties apply (30 days' dividends for terms of 12 months or less; 90 days' dividends for terms longer than 12 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days' dividends | 2.27% | $56 |
| 6 monthsEarly withdrawal penalty is 30 days' dividends | 3.82% | $189 |
| 9 monthsEarly withdrawal penalty is 30 days' dividends | 3.56% | $266 |
| 12 monthsEarly withdrawal penalty is 30 days' dividends | 3.56% | $356 |
| 18 monthsEarly withdrawal penalty is 90 days' dividends | 2.79% | $421 |
| 24 monthsEarly withdrawal penalty is 90 days' dividends | 2.53% | $512 |
| 36 monthsEarly withdrawal penalty is 90 days' dividends | 2.53% | $778 |
Who can join 4U Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, attends school, or worships in Cooke or Grayson County.
Family and household
- Membership is open to family and household members of existing 4U members, including spouses, children, parents, siblings, aunts, uncles, grandparents, grandchildren, step-relations, adoptive relations, and household members.
Cost to join
- Establishing membership requires a $25.00 deposit into a Share (Savings) Account (part of a total $26.00 opening deposit).
- Establishing membership requires a one-time $1.00 membership fee.
Membership information collected October 5, 2026.