Credit union · NCUA insured
GCTFCU CD Rates
GCTFCU’s best CD rate is 3.03% APY on a 2-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How GCTFCU’s CD rates compare
Compared with banks and credit unions near Killeen, TX, where GCTFCU has the most branches. $10,000, best rate first.
This credit union’s best
GCTFCU
3.03%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $616
Certificates of Deposit
Top rate
Belton Federal Credit Union
4.58%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $458
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
GCTFCU CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.03%
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 GCTFCU 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.
Certificates of Deposit
Up to 3.03%APY · 4 terms
Membership eligibility requires living, working, or worshipping within the portion of Bell County, Texas, west of Interstate 35. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty will be imposed for early withdrawal | 2.27% | $113 |
| 12 monthsA penalty will be imposed for early withdrawal | 2.53% | $253 |
| 24 monthsA penalty will be imposed for early withdrawal | 3.03% | $616 |
| 36 monthsA penalty will be imposed for early withdrawal | 3.03% | $938 |
Sources (3)
All captured Sep 17, 2026
Who can join GCTFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.