Credit union · NCUA insured
Estacado Federal Credit Union CD Rates
Estacado Federal Credit Union’s best CD rate is 4.10% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Estacado Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hobbs, NM, where Estacado Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Estacado Federal Credit Union
4.00%APY
- Term
- 6–11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- —
Share Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
Estacado Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.66%
- QualifiedQualified4.00%
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 Estacado 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.
Share Certificates
Up to 4.00%APY · 7 terms
Early withdrawal penalty may apply.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 months | 4.00% | — | 4.00% | $198 |
| 6–11 monthsJumbo Certificates over $100,000 | — | 4.10% | —4.10% from $100k | — |
| 12–17 months | 4.00% | — | 4.00% | $400 |
| 12–17 monthsJumbo Certificates over $100,000 | — | 4.10% | —4.10% from $100k | — |
| 18–23 months | 3.76% | — | 3.76% | $569 |
| 18–23 monthsJumbo Certificates over $100,000 | — | 3.87% | —3.87% from $100k | — |
| 24–35 months | 3.76% | — | 3.76% | $766 |
| 24–35 monthsJumbo Certificates over $100,000 | — | 3.86% | —3.86% from $100k | — |
| 36–47 months | 3.66% | — | 3.66% | $1,139 |
| 36–47 monthsJumbo Certificates over $100,000 | — | 3.76% | —3.76% from $100k | — |
| 48–59 months | 3.56% | — | 3.56% | $1,502 |
| 48–59 monthsJumbo Certificates over $100,000 | — | 3.66% | —3.66% from $100k | — |
| 60 months | 3.56% | — | 3.56% | $1,911 |
| 60 monthsJumbo Certificates over $100,000 | — | 3.66% | —3.66% from $100k | — |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) Certificates
Up to 4.00%APY · 7 terms
Traditional, Roth and Coverdell - Certificates. Early withdrawal penalty may apply.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 months | 4.00% | — | 4.00% | $198 |
| 6–11 monthsJumbo Certificates over $100,000 | — | 4.10% | —4.10% from $100k | — |
| 12–17 months | 4.00% | — | 4.00% | $400 |
| 12–17 monthsJumbo Certificates over $100,000 | — | 4.10% | —4.10% from $100k | — |
| 18–23 months | 3.76% | — | 3.76% | $569 |
| 18–23 monthsJumbo Certificates over $100,000 | — | 3.87% | —3.87% from $100k | — |
| 24–35 months | 3.76% | — | 3.76% | $766 |
| 24–35 monthsJumbo Certificates over $100,000 | — | 3.86% | —3.86% from $100k | — |
| 36–47 months | 3.66% | — | 3.66% | $1,139 |
| 36–47 monthsJumbo Certificates over $100,000 | — | 3.76% | —3.76% from $100k | — |
| 48–59 months | 3.56% | — | 3.56% | $1,502 |
| 48–59 monthsJumbo Certificates over $100,000 | — | 3.66% | —3.66% from $100k | — |
| 60 months | 3.56% | — | 3.56% | $1,911 |
| 60 monthsJumbo Certificates over $100,000 | — | 3.66% | —3.66% from $100k | — |
Sources (2)
All captured Oct 15, 2026
Who can join Estacado 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
- Individuals who live, work, worship, or attend school in Cochran County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Gaines County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Lea County, New Mexico are eligible for membership.
- Individuals who live, work, worship, or attend school in Yoakum County, Texas are eligible for membership.
Military, government and schools
- In person or online students of New Mexico Junior College or University of the Southwest in Lea County are eligible for membership.
Family and household
- Individuals who have a family member who already belongs to Estacado Federal Credit Union are eligible for membership.
1 more way to join
Family and household
- Individuals who live in a household of an existing member are eligible for membership.
Cost to join
- A $1 one-time membership fee applies.
- A minimum $25 savings deposit is required to open an account.
Membership information collected October 4, 2026.