Credit union · NCUA insured
Chocolate Bayou Community Federal Credit Union CD Rates
Top CarrotChocolate Bayou Community 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 Chocolate Bayou Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Chocolate Bayou Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chocolate Bayou Community Federal Credit Union
2.53%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $253
Term Share Certificate
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
Chocolate Bayou Community Federal Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.28%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.53%
- QualifiedQualified2.53%
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 Chocolate Bayou Community 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.
Term Share Certificate
Up to 2.53%APY · 9 terms
No monthly maintenance fee. Compounded daily and paid monthly. Early withdrawal penalties may apply. Terms from 3 months to 5 years.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 1.51% | — | 1.51% | $38 |
| 6 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.28% | — | 2.28% | $113 |
| 12 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | 3.56% | 2.53%3.56% from $100k | $253 |
| 18 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $382 |
| 24 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $512 |
| 30 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $645 |
| 36 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $778 |
| 48 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $1,051 |
| 60 monthsCompounded daily and paid monthly. Penalties may apply for early withdrawal | 2.53% | — | 2.53% | $1,331 |
Who can join Chocolate Bayou Community 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
- Individuals who live, work, or worship in Brazoria County are eligible for membership.
Employers and groups
- Employees of Monsanto Chemical Company, Conoco, and Alvin Community College have gained membership eligibility as service groups.
Membership information collected October 5, 2026.