Credit union · NCUA insured
Centex Citizens Credit Union CD Rates
Centex Citizens Credit Union’s best CD rate is 3.65% APY on a 9-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Centex Citizens Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Centex Citizens Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Centex Citizens Credit Union
3.65%APY
- Term
- 9 months
- Minimum
- $5,000
- Earns on $10,000
- $273
Share Certificates
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Centex Citizens Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo2.37%
- 31–60 months31–60 mo2.01%
- QualifiedQualified3.65%
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 Centex Citizens 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 3.65%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
| 9 monthsNon-renewable at Share Certificate maturity | 3.65% | $273 |
| 12 months | 3.03% | $303 |
| 18 months | 2.37% | $358 |
| 24 months | 2.26% | $457 |
| 36 months | 2.01% | $615 |
Sources (1)
- centexcitizenscu.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.65%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
| 9 monthsNon-renewable at Share Certificate maturity | 3.65% | $273 |
| 12 months | 3.03% | $303 |
| 18 months | 2.37% | $358 |
| 24 months | 2.26% | $457 |
Sources (1)
- centexcitizenscu.com/rates · captured Sep 17, 2026
Who can join Centex Citizens Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in, Limestone, Freestone, Navarro, Ellis, Falls, Henderson, Leon, and Robertson counties, eligible portions of Hill County (including Hillsboro), and the city of Mart, Texas, subject to stated credit union eligibility exclusions.
Membership information collected October 5, 2026.