Credit union · NCUA insured
COSDEN FCU CD Rates
COSDEN FCU’s best CD rate is 4.33% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How COSDEN FCU’s CD rates compare
Compared with banks and credit unions near Big Spring, TX, where COSDEN FCU has the most branches. $10,000, best rate first.
This credit union’s best
COSDEN FCU
4.07%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,271
Share Certificate
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
COSDEN FCU CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo0.95%
- 9–15 months9–15 mo1.10%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo3.75%
- 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 COSDEN FCU 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 Certificate
Up to 4.07%APY · 5 terms
Minimum opening deposit $1000 required. Rates effective July 1, 2025. Dividend rate fixed for term. Penalty for early withdrawal.
| Term | APY · $1,000 – $5,000 | APY · $5,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 monthsEffective as of July 1, 2025 | 0.70% | 0.85% | 0.95% | 0.95% | 1.00% | 0.95%0.70% $1k–$5k0.85% $5k–$10k0.95% $50k–$100k1.00% from $100k | $47 |
| 12 monthsEffective as of July 1, 2025 | 0.90% | 1.00% | 1.10% | 1.10% | 1.16% | 1.10%0.90% $1k–$5k1.00% $5k–$10k1.10% $50k–$100k1.16% from $100k | $110 |
| 24 monthsEffective as of July 1, 2025 | 2.42% | 2.52% | 2.52% | 2.58% | 2.58% | 2.52%2.42% $1k–$5k2.52% $5k–$10k2.58% $50k–$100k2.58% from $100k | $510 |
| 36 monthsEffective as of July 1, 2025 | 3.56% | 3.82% | 4.07% | 4.23% | 4.33% | 4.07%3.56% $1k–$5k3.82% $5k–$10k4.23% $50k–$100k4.33% from $100k | $1,271 |
| 60 monthsEffective as of July 1, 2025 | 3.60% | 3.65% | 3.75% | 3.75% | 4.01% | 3.75%3.60% $1k–$5k3.65% $5k–$10k3.75% $50k–$100k4.01% from $100k | $2,021 |
Sources (1)
- cosden.org/pages/share-rates.php · captured Sep 17, 2026
Who can join COSDEN FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.