Credit union · NCUA insured
BCM FCU CD Rates
BCM FCU’s best CD rate is 3.30% APY on a 3-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How BCM FCU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where BCM FCU has the most branches. $10,000, best rate first.
This credit union’s best
BCM FCU
3.30%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,023
Share Certificates
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
BCM FCU CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.09%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 BCM FCU 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.
Share Certificates
Up to 3.30%APY · 5 terms
$1,000.00 minimum. A penalty may be imposed for early withdrawal equal to 90 days dividend. Dividends are declared and paid monthly by the Board of Directors based on earnings and market conditions and are subject to change without notice. Yields shown assume that dividends are compounded monthly to the certificate and unavailable for withdrawal until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.04% | $75 |
| 6 months | 3.09% | $153 |
| 12 months | 3.20% | $320 |
| 24 months | 3.25% | $661 |
| 36 months | 3.30% | $1,023 |
Sources (1)
- bcmfcu.com/current-share-rates · captured Sep 17, 2026
Special-purpose accounts
Term IRA
0.50%APY · 1 term
Share and IRA certificates have a penalty for early withdrawal equal to 90 days dividend. Dividends are declared and paid monthly by the Board of Directors based on earnings and market conditions and are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.50% | $100 |
Sources (1)
- bcmfcu.com/current-share-rates · captured Sep 17, 2026
Who can join BCM FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.