Credit union · NCUA insured
ACFCU CD Rates
ACFCU’s best CD rate is 4.01% APY on a 20-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How ACFCU’s CD rates compare
Compared with banks and credit unions near Amarillo, TX, where ACFCU has the most branches. $10,000, best rate first.
This credit union’s best
ACFCU
4.01%APY
- Term
- 20 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $677
Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
ACFCU CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.86%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo4.01%
- 31–60 months31–60 mo2.55%
- QualifiedQualified4.01%
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 ACFCU 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.
Certificates
Up to 4.01%APY · 7 terms
Dividends earned can be compounded or credited to your savings or checking account or mailed to you in the form of a check. Early withdrawal penalties may apply, and fees may reduce potential earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.05% | $305 |
| 20 months | 4.01% | $677 |
| 24 months | 2.40% | $486 |
| 36 months | 2.45% | $753 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.55% | $1,342 |
No Penalty Certificates
Up to 3.86%APY · 8 terms
Retirement options are not available for No-Penalty CD(s). REWARDS do not apply to Special CD(s). Early withdrawal penalties may apply, and fees may reduce potential earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 8 months | 3.86% | $256 |
| 12 months | 2.90% | $290 |
| 18 months | 3.79% | $574 |
| 24 months | 2.25% | $455 |
| 36 months | 2.30% | $706 |
| 48 months | 2.35% | $974 |
| 60 months | 2.40% | $1,259 |
Sources (1)
- acfcu.org/deposit-rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.01%APY · 7 terms
Includes Roth & Traditional IRA Certificate options. Dividends earned can be compounded or credited to your savings or checking account or mailed to you in the form of a check. Early withdrawal penalties may apply, and fees may reduce potential earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.05% | $305 |
| 20 months | 4.01% | $677 |
| 24 months | 2.40% | $486 |
| 36 months | 2.45% | $753 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.55% | $1,342 |
Kidicate
2.60%APY · 1 term
Early withdrawal penalties may apply, and fees may reduce potential earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 2.60% | $527 |
Sources (1)
- acfcu.org/deposit-rates · captured Oct 16, 2026
Who can join ACFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All residents of Potter, Randall and Gray counties are eligible for membership.
Membership information collected October 5, 2026.