Credit union · NCUA insured
First Watch Credit Union CD Rates
Top CarrotFirst Watch Credit Union’s best CD rate is 3.70% APY on a 3-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How First Watch Credit Union’s CD rates compare
Compared with banks and credit unions near Abilene, TX, where First Watch Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Watch Credit Union
3.50%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,087
Term Share Certificate
Top rate
UMB Bank
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
2nd-highest rate
University Credit Union
4.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $165
First Watch Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Watch 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.
Term Share Certificate
Up to 3.50%APY · 6 terms
Membership/Regular Savings required. Penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Automatic renewal.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | 2.40% | 2.60% | 2.40%2.60% from $50k | $59 |
| 6 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | 2.50% | 2.70% | 2.50%2.70% from $50k | $124 |
| 12 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | 3.00% | 3.20% | 3.00%3.20% from $50k | $300 |
| 18 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | — | 3.40% | —3.40% from $50k | — |
| 24 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | 3.40% | 3.60% | 3.40%3.60% from $50k | $692 |
| 36 monthsEarly withdrawal penalty may apply. Dividends paid monthly or at maturity | 3.50% | 3.70% | 3.50%3.70% from $50k | $1,087 |
Special-purpose accounts
Kids & Teen Term Share Certificate
Up to 1.25%APY · 2 terms
Membership/Regular Savings required. Penalty will or may be imposed for early withdrawal. Minimum of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty will or may be imposed for early withdrawal | 1.00% | $100 |
| 24 monthsPenalty will or may be imposed for early withdrawal | 1.25% | $252 |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Who can join First Watch Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Taylor, Haskell, Jones, Shackelford, Stephens, Nolan, Callahan, Eastland, Runnels, Coleman, Brown, Comanche and Erath counties, Texas are eligible for membership.
Family and household
- Immediate family members (grandparent, parent, spouse, sibling, child, grandchild, adopted children, stepparents, stepchildren, and stepsiblings) of eligible persons or current members, as well as organizations of such persons, are eligible for membership.
- Household members of current members living in the same residence and maintaining a single economic unit are eligible for membership.
Other ways
- Members of record of First Watch Credit Union as of November 9, 2000 are eligible for membership.
- Spouses of persons who died while within the field of membership of First Watch Credit Union are eligible for membership.
Cost to join
- Opening a savings account and establishing membership requires a $26 deposit.
Membership information collected October 5, 2026.