Credit union · Privately insured
ALLIANCE Credit Union CD Rates
Top CarrotALLIANCE Credit Union’s best CD rate is 4.00% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How ALLIANCE Credit Union’s CD rates compare
Compared with banks and credit unions near Lubbock, TX, where ALLIANCE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ALLIANCE Credit Union
4.00%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $606
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
ALLIANCE Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.00%
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 ALLIANCE 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.
Certificates
Up to 4.00%APY · 9 terms
Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 15 months | 3.75% | $471 |
| 18 months | 4.00% | $606 |
| 24 months | 3.70% | $754 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
Junior Certificates
Up to 3.75%APY · 2 terms
Designed for young people. Minimum $100 opening deposit. Early withdrawal penalties apply to certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 24 months | 3.70% | $754 |
Who can join ALLIANCE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership if you live, work, or worship in specified Texas counties.
- You are eligible for membership if you live, work, worship, or attend school within a 10-mile radius of the Polaris or Golden Triangle Branches.
Employers and groups
- Members of the Cornerstone Credit Union Foundation qualify for membership.
- Members of the Friends of the Lubbock Library qualify for membership.
Family and household
- You are eligible for membership if your spouse or any immediate family members live, work, or worship in specified Texas counties.
Cost to join
- A $5 minimum deposit is required to open a share (savings) account.
Membership information collected October 5, 2026.