Credit union · NCUA insured
DATCU CD Rates
Top CarrotDATCU’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 6, 2026.
How DATCU’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where DATCU has the most branches. $10,000, best rate first.
This credit union’s best
DATCU
4.15%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $415
Certificate of Deposit
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
DATCU CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.15%
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 DATCU 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.
Certificate of Deposit
Up to 4.15%APY · 6 terms
Minimum deposit of $1,000 is required to open, maintain and earn interest on a certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your CD, or your CD must be redeemed. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.15% | $415 |
| 24 months | 4.15% | $847 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.15%APY · 6 terms
Minimum deposit of $1,000 is required to open, maintain and earn interest on an IRA Certificate of deposit. You must maintain a minimum balance of $1,000 throughout the term of your IRA Certificate, or your IRA Certificate must be redeemed. Available for Traditional and Roth IRAs. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.15% | $415 |
| 24 months | 4.15% | $847 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Who can join DATCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in Texas.
Military, government and schools
- Membership is open to students and alumni of Texas Women's University.
- Membership is open to students and alumni of the University of North Texas.
Family and household
- Membership is open to family members of current DATCU members, including parents, children, spouses, siblings, grandparents, grandchildren, stepparents, stepchildren, or stepsiblings.
Membership information collected October 5, 2026.