Credit union · NCUA insured
America's Credit Union CD Rates
America's Credit Union’s best CD rate is 2.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How America's Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where America's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America's Credit Union
4.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $231
Certificates of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 9 terms
Dividends compounded and credited monthly. Par value of one share is $25.00 for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.10% | $5 |
| 7 monthsLimited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days | 4.00% | $231 |
| 12 months | 2.00% | $200 |
| 13 monthsLimited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days | 4.00% | $434 |
| 18 months | 0.80% | $120 |
| 24 months | 0.65% | $130 |
| 36 months | 0.75% | $227 |
| 48 months | 0.65% | $263 |
| 60 months | 1.00% | $510 |
Sources (1)
- americascu.org/rates/cd-and-ira.html · captured Sep 17, 2026
Jumbo Certificate
Up to 2.00%APY · 6 terms
Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | — |
| 18 months | 0.80% | — |
| 24 months | 0.65% | — |
| 36 months | 0.75% | — |
| 48 months | 0.65% | — |
| 60 months | 1.00% | — |
Sources (1)
- americascu.org/rates/cd-and-ira.html · captured Sep 17, 2026
Mini-Jumbo Certificate
Up to 2.00%APY · 6 terms
Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | — |
| 18 months | 0.80% | — |
| 24 months | 0.65% | — |
| 36 months | 0.75% | — |
| 48 months | 0.65% | — |
| 60 months | 1.00% | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 9 terms
Minimum deposit of $500 required to open an IRA Term Share Certificate (except promotional terms which require $1,000). Average daily balance of $500 required to earn dividends. Dividends compounded and credited monthly.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.10% | — | 0.10% | $5 |
| 7 monthsLimited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days | — | 4.00% | 4.00% | $231 |
| 12 months | 2.00% | — | 2.00% | $200 |
| 13 monthsLimited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days | — | 4.00% | 4.00% | $434 |
| 18 months | 0.80% | — | 0.80% | $120 |
| 24 months | 0.65% | — | 0.65% | $130 |
| 36 months | 0.75% | — | 0.75% | $227 |
| 48 months | 0.65% | — | 0.65% | $263 |
| 60 months | 1.00% | — | 1.00% | $510 |
Sources (1)
- americascu.org/rates/cd-and-ira.html · captured Sep 17, 2026
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of America's Credit Union are eligible for membership.
Family and household
- Everyone in the immediate household of an employee of America's Credit Union is eligible for membership.
Membership information collected October 5, 2026.