Credit union · NCUA insured
Community Resource Credit Union CD Rates
Top CarrotCommunity Resource Credit Union’s best CD rate is 4.50% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community Resource Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Community Resource Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Resource Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $683
Certificates of Deposit
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
Community Resource Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.50%
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 Community Resource 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 4.50%APY · 8 terms
CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 4.10% | $203 |
| 12 months | 4.25% | $425 |
| 18 months | 4.50% | $683 |
| 24 months | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (2)
- crcu.org/resources/resources-and-tools/rates-and-fees
- crcu.org/checking-and-savings/…/certificates-of-deposit
All captured Oct 6, 2026
Bump Certificates
4.00%APY · 2 terms
CRCU membership required. One rate bump up allowed during the term of the certificate at prevailing CRCU rate on that product with no fee. You may add money anytime up to $10,000.00. Rates available for new money and money currently on deposit. Does not apply to existing certificates or IRA/HSA CDs. Penalty for early withdrawal. After promotional period ends, 12-month CD renews at 12 months and 24-month CD renews at 24 months as standard Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOne rate bump up allowed during the term to the prevailing CRCU rate. After the promotional period ends, renews into standard 12-month Certificate | 4.00% | $400 |
| 24 monthsOne rate bump up allowed during the term to the prevailing CRCU rate. After the promotional period ends, renews into standard 24-month Certificate | 4.00% | $816 |
Special-purpose accounts
Traditional/Roth IRA Certificate
Up to 4.50%APY · 7 terms
CRCU membership required. Minimum $100 deposit required. Tax-advantaged retirement CD available in Traditional and Roth IRA wrappers. Penalty for early withdrawal (exceptions may apply for required minimum distributions or death of primary holder). Add-on deposit option does not apply to IRA Certificates. Jumbo rates are no longer offered.
| Term | APY · Any balance | APY · $100 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | — | 3.00% | $74 |
| 6 months | 4.10% | — | 4.10% | $203 |
| 12 months | 4.25% | — | 4.25% | $425 |
| 18 months | 4.50% | — | 4.50% | $683 |
| 24 months | — | 4.25% | 4.25% | $868 |
| 36 months | — | 4.25% | 4.25% | $1,330 |
| 60 months | — | 4.25% | 4.25% | $2,313 |
Who can join Community Resource Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who work, reside, worship, or attend school, businesses in Harris County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Goose Creek, Barbers Hill, Crosby, Dayton, Huffman, Humble, Liberty, and New Caney ISDs are eligible.
- Persons who work, reside, worship, or attend school, businesses in Liberty or Chambers County, Texas, and their immediate family members are eligible.
- Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Lynchburg, Texas are eligible.
- Persons who work, reside, worship, or attend school, businesses in Montgomery County, Texas, and their immediate family members are eligible.
Employers and groups
- Members of Cornerstone Credit Union Foundation are eligible for membership.
5 more ways to join
Employers and groups
- Persons receiving retirement, pension, or other benefits as results of prior employment by any business or organization included within the field of membership are eligible.
- Groups of employees or members of companies or associations located within reasonable geographic proximity of a credit union office with written evidence of desire to be eligible are eligible.
Military, government and schools
- Members of record of Baytown Teachers Credit Union as of its merger date, including school and government employees working or residing in Chambers County, are eligible.
Other ways
- Any business or organization whose employees or members are within the credit union's field of membership is eligible.
- Scholarship fund accounts associated with living or deceased members, organizations, or clubs within the field of membership are eligible.
Membership information collected October 5, 2026.