Credit union · NCUA insured
CommonCents CU CD Rates
Top CarrotCommonCents CU’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How CommonCents CU’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where CommonCents CU has the most branches. $10,000, best rate first.
This credit union’s best
CommonCents CU
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
Certificates
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
CommonCents CU CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.05%
- QualifiedQualified4.08%
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 CommonCents CU 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
Up to 4.08%APY · 3 terms
Regular Share Savings Account required for all CCCU accounts. NCUA insured. Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 12 months | 4.08% | $408 |
| 30 months | 3.05% | $779 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRAs
3.56%APY · 2 terms
Regular Share Savings Account required for all CCCU accounts. Traditional and Roth IRAs available. No setup or annual fees. Federally insured by the NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.56% | $539 |
| 24 months | 3.56% | $725 |
Sources (2)
All captured Sep 17, 2026
Who can join CommonCents CU
This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Jefferson or Chambers County, as well as business entities located in those counties, are eligible for membership.
Family and household
- Individuals who have an immediate family member who is part of the CommonCents Credit Union family are eligible for membership.
Membership information collected October 5, 2026.