Credit union · NCUA insured
First Basin Credit Union CD Rates
First Basin Credit Union’s best CD rate is 2.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Basin Credit Union’s CD rates compare
Compared with banks and credit unions near Odessa, TX, where First Basin Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Basin Credit Union
2.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,314
Certificate of Deposit (CD)
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
First Basin Credit Union CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.75%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 First Basin 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 of Deposit (CD)
Up to 2.50%APY · 5 terms
Dividends compounded daily and paid monthly. APY paid if dividend is returned in certificate. $1,000 minimum balance required. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 12 months | 1.75% | $175 |
| 24 months | 2.00% | $404 |
| 36 months | 2.25% | $690 |
| 60 months | 2.50% | $1,314 |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Special-purpose accounts
CD & Individual Retirement Account (IRA)
Up to 2.50%APY · 4 terms
Dividends compounded daily and paid monthly. APY paid if dividend is returned in certificate. $1,000 minimum balance required (unless rollover or transfer). Additional deposits allowed up to annual contribution limit only. Early withdrawal penalties apply with exception for required minimum distributions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOpening minimum $1,000.00 unless rollover or transfer | 1.75% | $175 |
| 24 monthsOpening minimum $1,000.00 unless rollover or transfer | 2.00% | $404 |
| 36 monthsOpening minimum $1,000.00 unless rollover or transfer | 2.25% | $690 |
| 60 monthsOpening minimum $1,000.00 unless rollover or transfer | 2.50% | $1,314 |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Who can join First Basin 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 go to school in any of 17 specified West Texas counties are eligible for membership.
Cost to join
- A refundable deposit of $25 into a savings account is required for membership.
Membership information collected October 5, 2026.