Credit union · NCUA insured
Baptist Credit Union CD Rates
Top CarrotBaptist Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Baptist Credit Union’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Baptist Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Baptist Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Certificate of Deposit
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Baptist Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.00%
- 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 Baptist 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.
Certificate of Deposit
Up to 4.00%APY · 6 terms
Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm is 183 Days (6 Mo.). Early withdrawal penalty: 30 Days Dividend | 3.75% | $186 |
| 12 monthsTerm is 365 Days (1-Year). Early withdrawal penalty: 30 Days Dividends | 4.00% | $400 |
| 24 monthsTerm is 730 Days (2-Year). Early withdrawal penalty: 60 Days Dividends | 3.95% | $806 |
| 36 monthsTerm is 1,095 Days (3-Year). Early withdrawal penalty: 90 Days Dividends | 3.90% | $1,216 |
| 48 monthsTerm is 1,460 Days (4-Year). Early withdrawal penalty: 120 Days Dividends | 3.90% | $1,654 |
| 60 monthsTerm is 1,825 Days (5-Year). Early withdrawal penalty: 150 Days Dividends | 4.00% | $2,167 |
Sources (1)
- baptistcu.org/rates/cd-rates · captured Oct 6, 2026
Who can join Baptist Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Groups associated with Tarrant Baptist Association, North Texas Area Baptist Association, and Bluebonnet Baptist Association are included in the field of membership.
- Employees of any church or institution associated with the Baptist General Convention of Texas (BGCT) are eligible for membership.
- Individual members and member churches of Christian Financial Association of America are eligible for membership.
- Members of churches in the Dallas Baptist Association (DBA) are eligible for membership.
- Employees of the San Antonio Baptist Association (SABA) and employees or members of churches belonging to SABA are eligible for membership.
- Staff of the Southern Baptist of Texas Convention (SBTC), and pastors, staff, and members of SBTC churches are eligible for membership.
1 more way to join
Military, government and schools
- Affiliates of Wayland University (San Antonio), Baptist University of the Americas, or Dallas Baptist University are eligible for membership.
Membership information collected October 5, 2026.