Credit union · NCUA insured
First Service Credit Union CD Rates
Top CarrotFirst Service Credit Union’s best CD rate is 3.70% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Service Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where First Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Service Credit Union
3.60%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $360
Smart Growth Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
First Service Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.60%
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 Service 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
Up to 3.60%APY · 7 terms
Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.55% | 3.65% | 3.55%3.65% from $50k | $176 |
| 12 months | 3.60% | 3.70% | 3.60%3.70% from $50k | $360 |
| 18 months | 3.55% | 3.65% | 3.55%3.65% from $50k | $537 |
| 24 months | 3.50% | 3.60% | 3.50%3.60% from $50k | $712 |
| 36 months | 3.55% | 3.65% | 3.55%3.65% from $50k | $1,103 |
| 48 months | 3.45% | 3.55% | 3.45%3.55% from $50k | $1,453 |
| 60 months | 3.40% | 3.50% | 3.40%3.50% from $50k | $1,820 |
Sources (2)
- fscu.com/personal/checking-and…/certificates-of-deposit
- fscu.com/resources/member-benefits/rates-service-charges
All captured Sep 17, 2026
Smart Growth Certificate of Deposit
3.60%APY · 1 term
Start with as little as $100 and deposit at least $50 every month via direct deposit. Additional deposits allowed anytime. Dividends compounded and credited monthly. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires minimal direct deposit of $50 each month; deposit whenever and as often as you like | 3.60% | $360 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.70%APY · 7 terms
Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.70% | $370 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.50% | $1,877 |
Who can join First Service 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 reside, work, worship, or study in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD are eligible for membership.
Employers and groups
- Employees of select employee groups including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan are eligible for membership.
Family and household
- Individuals related to an existing First Service member are eligible for membership.
Other ways
- Individuals who make a donation to the You First Foundation are eligible for membership.
Membership information collected October 5, 2026.