Credit union · NCUA insured
City Credit Union CD Rates
City Credit Union’s best CD rate is 3.60% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How City Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
City Credit Union
3.60%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $178
Certificates of Deposit
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
City Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.60%
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 City 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.
Certificates of Deposit
Up to 3.60%APY · 6 terms
Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRegular CD only | 3.60% | $178 |
| 12 months | 3.60% | $360 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (1)
- citycu.org/rates/deposit-rates.html · captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.60%APY · 5 terms
Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.60% | $360 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.40% | $1,820 |
Sources (1)
- citycu.org/rates/deposit-rates.html · captured Oct 6, 2026
Who can join City 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in Dallas, Collin, Denton, Tarrant, Rockwall, Kaufman, Ellis, Grayson, Cooke, Hunt, Parker, Wise, and Johnson counties in Texas.
Employers and groups
- Membership is open to individuals who work for or belong to one of City CU's Select Employer Groups (SEG).
Family and household
- Membership is open to individuals who have a family member who is a City CU member.
Membership information collected October 5, 2026.