Credit union · NCUA insured
DuGood Federal Credit Union CD Rates
DuGood Federal Credit Union’s best CD rate is 4.18% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How DuGood Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where DuGood Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
DuGood Federal Credit Union
4.07%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $407
Certificate
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
DuGood Federal Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.07%
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 DuGood Federal 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.
Certificate
Up to 4.07%APY · 8 terms
Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 2.53% | 2.58% | 2.63% | 2.53%2.58% from $50k2.63% from $100k | $63 |
| 6 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.76% | 3.82% | 3.87% | 3.76%3.82% from $50k3.87% from $100k | $186 |
| 12 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 4.07% | 4.13% | 4.18% | 4.07%4.13% from $50k4.18% from $100k | $407 |
| 18 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.45% | 3.51% | 3.56% | 3.45%3.51% from $50k3.56% from $100k | $522 |
| 24 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $671 |
| 30 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $846 |
| 36 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.40% | 3.45% | 3.51% | 3.40%3.45% from $50k3.51% from $100k | $1,055 |
| 60 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.45% | 3.51% | 3.56% | 3.45%3.51% from $50k3.56% from $100k | $1,848 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.07%APY · 8 terms
IRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 2.53% | 2.58% | 2.63% | 2.53%2.58% from $50k2.63% from $100k | $63 |
| 6 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.76% | 3.82% | 3.87% | 3.76%3.82% from $50k3.87% from $100k | $186 |
| 12 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 4.07% | 4.13% | 4.18% | 4.07%4.13% from $50k4.18% from $100k | $407 |
| 18 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.45% | 3.51% | 3.56% | 3.45%3.51% from $50k3.56% from $100k | $522 |
| 24 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $671 |
| 30 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $846 |
| 36 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.40% | 3.45% | 3.51% | 3.40%3.45% from $50k3.51% from $100k | $1,055 |
| 60 monthsIRAs/HSAs can be placed in any certificate in which the minimum deposit requirements can be met. Early withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.45% | 3.51% | 3.56% | 3.45%3.51% from $50k3.56% from $100k | $1,848 |
Coverdell Certificate
Up to 3.97%APY · 7 terms
Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Educational IRA / Coverdell terms apply. Membership eligibility required.
| Term | APY · $500 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.66% | 3.71% | 3.76% | 3.66%3.71% from $50k3.76% from $100k | $181 |
| 12 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.97% | 4.02% | 4.07% | 3.97%4.02% from $50k4.07% from $100k | $397 |
| 18 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.35% | 3.40% | 3.45% | 3.35%3.40% from $50k3.45% from $100k | $507 |
| 24 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.20% | 3.25% | 3.30% | 3.20%3.25% from $50k3.30% from $100k | $650 |
| 30 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.20% | 3.25% | 3.30% | 3.20%3.25% from $50k3.30% from $100k | $819 |
| 36 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.30% | 3.35% | 3.40% | 3.30%3.35% from $50k3.40% from $100k | $1,023 |
| 60 monthsEarly withdrawal penalties may apply. Any fee incurred could reduce earnings | 3.35% | 3.40% | 3.45% | 3.35%3.40% from $50k3.45% from $100k | $1,791 |
Who can join DuGood Federal Credit Union
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 who lives, works, or worships in Chambers, Hardin, Jasper, Jefferson, Liberty, Newton, Orange, or Tyler County.
Membership information collected October 5, 2026.