Credit union · NCUA insured
Freestone Credit Union CD Rates
Freestone Credit Union’s best CD rate is 4.33% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Freestone Credit Union’s CD rates compare
Compared with banks and credit unions in Texas, where Freestone Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freestone Credit Union
4.33%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $433
Regular Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
Freestone Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.23%
- 9–15 months9–15 mo4.33%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.63%
- QualifiedQualified4.33%
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 Freestone 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.
Jumbo Share Certificate
Up to 4.33%APY · 6 terms
Minimum balance to earn dividends is $50,000. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.23% | — |
| 12 months | 4.33% | — |
| 24 months | 3.04% | — |
| 36 months | 2.63% | — |
| 48 months | 2.17% | — |
| 60 months | 2.32% | — |
Sources (1)
- freestonecu.org/cd-rates · captured Oct 16, 2026
Regular Share Certificate
Up to 4.33%APY · 6 terms
Minimum balance to earn dividends is $1,000. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.23% | $209 |
| 12 months | 4.33% | $433 |
| 24 months | 3.04% | $618 |
| 36 months | 2.63% | $810 |
| 48 months | 2.17% | $897 |
| 60 months | 2.32% | $1,217 |
Sources (1)
- freestonecu.org/cd-rates · captured Oct 16, 2026
Super Share Certificate
Up to 4.33%APY · 6 terms
Minimum balance to earn dividends is $25,000. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.23% | — |
| 12 months | 4.33% | — |
| 24 months | 3.04% | — |
| 36 months | 2.63% | — |
| 48 months | 2.17% | — |
| 60 months | 2.32% | — |
Sources (1)
- freestonecu.org/cd-rates · captured Oct 16, 2026
Special-purpose accounts
Children's Share Certificate
Up to 4.33%APY · 6 terms
For kids ages 0 to 12. Minimum balance to earn dividends is $100. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor kids 0 to 12 | 4.23% | $209 |
| 12 monthsFor kids 0 to 12 | 4.33% | $433 |
| 24 monthsFor kids 0 to 12 | 3.04% | $618 |
| 36 monthsFor kids 0 to 12 | 2.63% | $810 |
| 48 monthsFor kids 0 to 12 | 2.17% | $897 |
| 60 monthsFor kids 0 to 12 | 2.32% | $1,217 |
Sources (1)
- freestonecu.org/cd-rates · captured Oct 16, 2026
Teen Share Certificate
Up to 4.33%APY · 6 terms
For teens ages 13 to 18. Minimum balance to earn dividends is $100. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor teens 13 to 18 | 4.23% | $209 |
| 12 monthsFor teens 13 to 18 | 4.33% | $433 |
| 24 monthsFor teens 13 to 18 | 3.04% | $618 |
| 36 monthsFor teens 13 to 18 | 2.63% | $810 |
| 48 monthsFor teens 13 to 18 | 2.17% | $897 |
| 60 monthsFor teens 13 to 18 | 2.32% | $1,217 |
Sources (1)
- freestonecu.org/cd-rates · captured Oct 16, 2026
Who can join Freestone 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 or work in Freestone, Limestone, Navarro, Leon, or Madison County in Texas are eligible for membership.
Employers and groups
- Employees of the BNSF Railroad qualify for membership.
Family and household
- Immediate family members of current credit union members qualify for membership.
Membership information collected October 5, 2026.