Credit union · NCUA insured
CPS IBEW FCU CD Rates
Top CarrotCPS IBEW FCU’s best CD rate is 3.81% APY on a 3-month share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How CPS IBEW FCU’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where CPS IBEW FCU has the most branches. $10,000, best rate first.
This credit union’s best
CPS IBEW FCU
3.81%APY
- Term
- 3 months
- Minimum
- $10,000
- Earns on $10,000
- $94
Jumbo Share Certificates
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
CPS IBEW FCU CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.81%
- 9–15 months9–15 mo3.81%
- 16–30 months16–30 mo3.81%
- QualifiedQualified3.81%
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 CPS IBEW 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.
Jumbo Share Certificates
3.81%APY · 5 terms
Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty assessed for early withdrawal | 3.81% | $94 |
| 6 monthsPenalty assessed for early withdrawal | 3.81% | $189 |
| 12 monthsPenalty assessed for early withdrawal | 3.81% | $381 |
| 18 monthsPenalty assessed for early withdrawal | 3.81% | $577 |
| 24 monthsPenalty assessed for early withdrawal | 3.81% | $777 |
Share Certificates
3.71%APY · 5 terms
Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty assessed for early withdrawal | 3.71% | $91 |
| 6 monthsPenalty assessed for early withdrawal | 3.71% | $184 |
| 12 monthsPenalty assessed for early withdrawal | 3.71% | $371 |
| 18 monthsPenalty assessed for early withdrawal | 3.71% | $562 |
| 24 monthsPenalty assessed for early withdrawal | 3.71% | $756 |
Who can join CPS IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of CPS Energy are eligible to join the credit union.
Family and household
- Immediate and extended family members of credit union members are eligible to join.
Cost to join
- Opening an account requires a $5 minimum share deposit and two valid forms of identification.
Membership information collected October 5, 2026.