Credit union · NCUA insured
City Federal Credit Union CD Rates
City Federal Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How City Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Amarillo, TX, where City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
City Federal Credit Union
3.82%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $382
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
City Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.82%
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 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 3.82%APY · 7 terms
Early withdrawal penalties apply to term Share Certificates. Early withdrawal penalty may reduce earnings on account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.66% | $181 |
| 12 months | 3.82% | $382 |
| 18 months | 3.82% | $578 |
| 24 months | 3.14% | $638 |
| 36 months | 3.04% | $940 |
| 48 months | 2.68% | $1,116 |
| 60 months | 2.63% | $1,386 |
Sources (2)
All captured Oct 16, 2026
Who can join City 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to anyone who lives, works, worships, or attends school in, and businesses and other legal entities located within, Amarillo, TX.
Family and household
- Immediate family members of current City FCU members (spouse, children, step-children, parents, step-parents, siblings, step-siblings, grandchildren, grandparents) are eligible to join.
Cost to join
- Opening a Primary Savings account requires a minimum deposit of $20 to establish membership.
Membership information collected October 5, 2026.