Credit union · NCUA insured
Credit Union of Texas CD Rates
Top CarrotCredit Union of Texas’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 Credit Union of Texas’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Credit Union of Texas has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Texas
3.75%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $186
Regular CD
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Credit Union of Texas CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.60%
- 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 Credit Union of Texas 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.
Regular CD
Up to 3.75%APY · 7 terms
Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $200,000 | APY · $200,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $50k–$100k3.75% $100k–$200k3.75% $200k–$250k3.75% from $250k | $186 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $50k–$100k3.75% $100k–$200k3.75% $200k–$250k3.75% from $250k | $375 |
| 18 months | 3.70% | 3.70% | 3.70% | 3.70% | 3.70% | 3.70%3.70% $50k–$100k3.70% $100k–$200k3.70% $200k–$250k3.70% from $250k | $560 |
| 24 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $50k–$100k3.60% $100k–$200k3.60% $200k–$250k3.60% from $250k | $733 |
| 36 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $50k–$100k3.60% $100k–$200k3.60% $200k–$250k3.60% from $250k | $1,119 |
| 48 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $50k–$100k3.60% $100k–$200k3.60% $200k–$250k3.60% from $250k | $1,520 |
| 60 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $50k–$100k3.60% $100k–$200k3.60% $200k–$250k3.60% from $250k | $1,934 |
Sources (1)
- cutx.org/certificates-of-deposit · captured Sep 17, 2026
No Penalty CD
3.50%APY · 1 term
No penalties for early withdrawal after the first 6 days following funding. Must meet membership and age requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMay withdraw all money including dividend earned without penalties any time after the first 6 days following the date account is funded | 3.50% | — |
Sources (1)
- cutx.org/certificates-of-deposit · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.75%APY · 6 terms
Available as Traditional or Roth IRA. Interest compounds daily and is paid monthly. Certificates of deposit renew automatically unless instructed otherwise. Penalty may be imposed for early withdrawals. Subject to IRS eligibility requirements and contribution limits.
| Term | APY · $500 – $1,000 | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $99,000 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 6 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10003.75% $1k–$10k3.75% $25k–$50k3.75% $50k–$99k3.75% from $99k | $186 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10003.75% $1k–$10k3.75% $25k–$50k3.75% $50k–$99k3.75% from $99k | $375 |
| 24 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10003.60% $1k–$10k3.60% $25k–$50k3.60% $50k–$99k3.60% from $99k | $733 |
| 36 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10003.60% $1k–$10k3.60% $25k–$50k3.60% $50k–$99k3.60% from $99k | $1,119 |
| 48 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10003.60% $1k–$10k3.60% $25k–$50k3.60% $50k–$99k3.60% from $99k | $1,520 |
| 60 months | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60%3.60% $500–$10003.60% $1k–$10k3.60% $25k–$50k3.60% $50k–$99k3.60% from $99k | $1,934 |
Sources (1)
- cutx.org/individual-retirement-accounts · captured Sep 17, 2026
Who can join Credit Union of Texas
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.