Credit union · NCUA insured
Border FCU CD Rates
Border FCU’s best CD rate is 3.85% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Border FCU’s CD rates compare
Compared with banks and credit unions near Del Rio, TX, where Border FCU has the most branches. $10,000, best rate first.
This credit union’s best
Border FCU
3.85%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $223
Term Share Certificate (Certificate of Deposit)
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Falcon Bank
4.00%APY
- Term
- 7 months
- Minimum
- —
- Earns on $10,000
- $231
Border FCU CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.85%
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 Border 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.
Term Share Certificate (Certificate of Deposit)
Up to 3.85%APY · 9 terms
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% to $10k2.50% $50k–$100k2.50% from $100k | $62 |
| 6 months | 3.40% | 3.40% | 3.50% | 3.50% | 3.40%3.40% to $10k3.50% $50k–$100k3.50% from $100k | $169 |
| 7 months | 3.85% | 3.85% | 3.85% | 3.85% | 3.85%3.85% to $10k3.85% $50k–$100k3.85% from $100k | $223 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% to $10k3.75% $50k–$100k3.75% from $100k | $375 |
| 18 months | 3.20% | 3.20% | 3.20% | 3.20% | 3.20%3.20% to $10k3.20% $50k–$100k3.20% from $100k | $484 |
| 24 months | 3.25% | 3.25% | 3.25% | 3.25% | 3.25%3.25% to $10k3.25% $50k–$100k3.25% from $100k | $661 |
| 36 months | 3.30% | 3.30% | 3.30% | 3.30% | 3.30%3.30% to $10k3.30% $50k–$100k3.30% from $100k | $1,023 |
| 48 months | 3.35% | 3.35% | 3.35% | 3.35% | 3.35%3.35% to $10k3.35% $50k–$100k3.35% from $100k | $1,409 |
| 60 months | 3.40% | 3.40% | 3.40% | 3.40% | 3.40%3.40% to $10k3.40% $50k–$100k3.40% from $100k | $1,820 |
Sources (1)
- borderfcu.com/deposits · captured Oct 16, 2026
CD Plus Term Certificate
Up to 3.75%APY · 2 terms
| Term | APY · Up to $10,000 | APY · Up to $100,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 15 months | 3.75% | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% to $10k3.75% $50k–$100k3.75% from $100k | $471 |
| 30 months | — | 3.30% | 3.30% | 3.30% | 3.30% | 3.30%3.30% $10k–$50k3.30% $50k–$100k3.30% from $100k | $846 |
Sources (1)
- borderfcu.com/deposits · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate (TRADITIONAL, ROTH, EDUCATIONAL)
Up to 3.75%APY · 3 terms
Traditional, Roth, and Educational IRAs.
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% to $10k3.75% $50k–$100k3.75% from $100k | $375 |
| 18 months | 3.65% | 3.65% | 3.65% | 3.65% | 3.65%3.65% to $10k3.65% $50k–$100k3.65% from $100k | $552 |
| 24 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% to $10k3.60% $50k–$100k3.60% from $100k | $733 |
Sources (1)
- borderfcu.com/deposits · captured Oct 16, 2026
Youth CD Certificate
Up to 3.00%APY · 2 terms
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 15 months | 2.95% | 2.95% | 2.95%2.95% to $10k | $370 |
| 30 months | 3.00% | 3.00% | 3.00%3.00% to $10k | $767 |
Sources (1)
- borderfcu.com/deposits · captured Oct 16, 2026
Who can join Border FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or attend school in Crockett, Dimmit, Edwards, Frio, Kinney, LaSalle, Maverick, Real, Sutton, Terrell, Uvalde, Val Verde, or Zavala County are eligible for membership.
Family and household
- Immediate family members of an existing BFCU member are eligible for membership.
Cost to join
- Membership requires opening a share (savings) account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.