Credit union · NCUA insured
Cooperative Teachers Credit Union CD Rates
Cooperative Teachers Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Cooperative Teachers Credit Union’s CD rates compare
Compared with banks and credit unions near Tyler, TX, where Cooperative Teachers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cooperative Teachers Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $186
Term Share Certificate
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Cooperative Teachers Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Cooperative Teachers 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 3.75%APY · 7 terms
For members 18 and up. Minimum balance of $1,000. Fixed dividend rates, dividends paid monthly, automatic renewal for continued growth, early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.60% | $360 |
| 18 months | 3.50% | $530 |
| 24 months | 2.85% | $578 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- coopteachers.com/banking/term-share-certificates · captured Oct 6, 2026
Special-purpose accounts
Youth Term Share Certificates
4.00%APY · 1 term
For members under 18. Joint ownership with parent or guardian required. Maximum amount deposited is $10,000; maximum balance is $10,000 plus compounded yield. Dividends paid monthly. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum balance is $10,000 plus compounded yield | 4.00% | $400 |
Sources (1)
- coopteachers.com/banking/term-share-certificates · captured Oct 6, 2026
IRA Term Share Certificates
Up to 3.75%APY · 7 terms
Available for members with CTCU Individual Retirement Account (IRA). Rates are the same as Term Share Certificates. Youth Certificates not available. Dividends compounded monthly. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.60% | $360 |
| 18 months | 3.50% | $530 |
| 24 months | 2.85% | $578 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- coopteachers.com/banking/term-share-certificates · captured Oct 6, 2026
Who can join Cooperative Teachers 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 work within a 10-mile radius of CTCU are eligible to join.
- Individuals who live, work, worship, or attend school in Smith County are eligible to join.
Military, government and schools
- Retired teachers or retired certified school personnel living in CTCU's service area are eligible to join.
- School employees in Kaufman, Hopkins, Rain, Smith, Wood, or Van Zandt County are eligible to join.
- Individuals who receive Teacher Retirement as a result of working in CTCU's service area are eligible to join.
Family and household
- Direct relatives of existing CTCU members are eligible to join.
1 more way to join
Other ways
- Members of the CTCU Foundation are eligible to join.
Membership information collected October 5, 2026.