Credit union · NCUA insured
Bayou City Federal Credit Union CD Rates
Bayou City Federal Credit Union’s best CD rate is 2.86% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Bayou City Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Bayou City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bayou City Federal Credit Union
1.85%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $92
Time Share Certificate (CD)
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Bayou City Federal Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo1.85%
- 9–15 months9–15 mo1.66%
- 16–30 months16–30 mo1.63%
- 31–60 months31–60 mo1.73%
- QualifiedQualified1.85%
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 Bayou City Federal 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.
Time Share Certificate (CD)
Up to 1.85%APY · 7 terms
Fixed dividend rates. Automatic renewal. Dividends are paid / credited at the end of each calendar quarter. Penalty imposed for early withdrawal before maturity.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.86% | — | —2.86% $50k–$100k | — |
| 6 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.85% | — | — | — | 1.85% | $92 |
| 6 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.35% | — | — | —2.35% $25k–$50k | — |
| 12 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.67% | — | —2.67% $50k–$100k | — |
| 12 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.66% | — | — | — | 1.66% | $166 |
| 12 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.16% | — | — | —2.16% $25k–$50k | — |
| 18 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.13% | — | —2.13% $50k–$100k | — |
| 18 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.63% | — | — | — | 1.63% | $245 |
| 18 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.16% | — | — | —2.16% $25k–$50k | — |
| 24 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.60% | — | —2.60% $50k–$100k | — |
| 24 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.59% | — | — | — | 1.59% | $321 |
| 24 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.09% | — | — | —2.09% $25k–$50k | — |
| 36 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.65% | — | —2.65% $50k–$100k | — |
| 36 monthsPlatinum tier ($100,000 plus). Early withdrawal penalty: 1/2 the number of days of dividend earnings remaining on the CD, on the amount of withdrawal, whether earned or not, or $5.00, whichever is greater | — | — | — | 2.75% | —2.75% from $100k | — |
| 36 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.64% | — | — | — | 1.64% | $500 |
| 36 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.14% | — | — | —2.14% $25k–$50k | — |
| 48 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.69% | — | —2.69% $50k–$100k | — |
| 48 monthsPlatinum tier ($100,000 plus). Early withdrawal penalty: 1/2 the number of days of dividend earnings remaining on the CD, on the amount of withdrawal, whether earned or not, or $5.00, whichever is greater | — | — | — | 2.79% | —2.79% from $100k | — |
| 48 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.68% | — | — | — | 1.68% | $689 |
| 48 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.18% | — | — | —2.18% $25k–$50k | — |
| 60 months($50,000 to $99,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | — | 2.74% | — | —2.74% $50k–$100k | — |
| 60 monthsPlatinum tier ($100,000 plus). Early withdrawal penalty: 1/2 the number of days of dividend earnings remaining on the CD, on the amount of withdrawal, whether earned or not, or $5.00, whichever is greater | — | — | — | 2.84% | —2.84% from $100k | — |
| 60 monthsRegular tier ($1,000 to $24,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | 1.73% | — | — | — | 1.73% | $895 |
| 60 monthsSuper tier ($25,000 to $49,999). Early withdrawal penalty: 90 days of dividend earnings or $5.00, whichever is greater | — | 2.24% | — | — | —2.24% $25k–$50k | — |
Sources (2)
All captured Sep 17, 2026
Payroll CD
1.66%APY
A savings plan that allows you the flexibility to make deposit through payroll deduction. Deposits must come from a direct deposit payroll as low as $10. Dividends are paid / credited at the end of each calendar quarter. Penalty is imposed for early withdrawals before maturity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Payroll CD ($100 - $ 999.99). Rate is subject to change. | 1.40% | — | Payroll CD ($100 - $ 999.99). Rate is subject to change. |
| $1,000 and upPayroll CD ($1,000 plus). Rate is subject to change. | 1.66% | $166 | Payroll CD ($1,000 plus). Rate is subject to change. |
Sources (2)
All captured Sep 17, 2026
Who can join Bayou City Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school within the bounded area of: IH 45 S to S Loop 610 W, to S Main, north to IH 45 S.
Employers and groups
- Employees or volunteers of the Memorial Hermann Healthcare system or one of its subsidiaries.
Family and household
- Persons living in the same residence and who maintain a single economic unit, excluding residents of a fraternity, sorority, or nursing home.
- Immediate family of a member of Bayou City FCU, including Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, and Stepsiblings.
Membership information collected October 5, 2026.