Credit union · NCUA insured
BP Federal Credit Union CD Rates
BP Federal Credit Union’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How BP Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where BP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
BP Federal Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $356
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
BP Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.56%
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 BP 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.
Share Certificates
Up to 3.56%APY · 8 terms
Dividend rates are fixed for the initial term; early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum opening deposit $1,000 | 2.84% | $70 |
| 3 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.04% | $75 |
| 6 monthsMinimum opening deposit $1,000 | 3.20% | $159 |
| 6 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.20% | $159 |
| 9 monthsMinimum opening deposit $1,000 | 3.30% | $246 |
| 9 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.30% | $246 |
| 12 monthsMinimum opening deposit $1,000 | 3.56% | $356 |
| 12 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.56% | $356 |
| 24 monthsMinimum opening deposit $1,000 | 3.20% | $650 |
| 24 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.20% | $650 |
| 36 monthsMinimum opening deposit $1,000 | 3.30% | $1,023 |
| 36 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.30% | $1,023 |
| 48 monthsMinimum opening deposit $1,000 | 3.40% | $1,431 |
| 48 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.40% | $1,431 |
| 60 monthsMinimum opening deposit $1,000 | 3.56% | $1,911 |
| 60 monthsMinimum opening deposit $1,000. Rates effective as of 06/18/2025 | 3.56% | $1,911 |
Sources (3)
All captured Sep 17, 2026
Who can join BP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full-time, part-time, temporary or casual employees, retirees, or annuitants of BP are eligible for membership.
- Contractors for BP are eligible for membership.
- Employees of listed participating companies and select groups are eligible for membership.
Family and household
- Domestic partners and family members (spouse, parents, grandparents, children [natural, adopted, or foster], siblings, grandchildren, and spouses of such members) of members are eligible for membership.
Membership information collected October 5, 2026.