Credit union · NCUA insured
Greater Texas Credit Union CD Rates
Greater Texas Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Greater Texas Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Greater Texas Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Texas Credit Union
4.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,313
Term Share Certificates/Certificates of Deposit
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Greater Texas Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 Greater Texas 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 Certificates/Certificates of Deposit
Up to 4.25%APY · 10 terms
At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $1,000 – $95,000 | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsJumbo certificate. Compounded daily, paid monthly | — | — | 1.00% | —1.00% from $95k | — |
| 3 monthsRegular certificate. Compounded daily, paid monthly | 1.00% | — | — | 1.00% | $25 |
| 6 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 3.75% | —3.75% from $95k | — |
| 6 monthsRegular certificate. Compounded daily, paid quarterly | 3.75% | — | — | 3.75% | $186 |
| 12 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.10% | —4.10% from $95k | — |
| 12 monthsRegular certificate. Compounded daily, paid quarterly | 4.00% | — | — | 4.00% | $400 |
| 18 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.10% | —4.10% from $95k | — |
| 18 monthsRegular certificate. Compounded daily, paid quarterly | 4.00% | — | — | 4.00% | $606 |
| 24 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.20% | —4.20% from $95k | — |
| 24 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | — | 4.10% | $837 |
| 30 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.20% | —4.20% from $95k | — |
| 30 monthsRegular certificate. Compounded daily, paid quarterly | — | 4.10% | — | 4.10% | $1,057 |
| 36 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.20% | —4.20% from $95k | — |
| 36 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | — | 4.10% | $1,281 |
| 42 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.20% | —4.20% from $95k | — |
| 42 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | — | 4.10% | $1,510 |
| 48 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.20% | —4.20% from $95k | — |
| 48 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | — | 4.10% | $1,744 |
| 60 monthsJumbo certificate. Compounded daily, paid quarterly | — | — | 4.35% | —4.35% from $95k | — |
| 60 monthsRegular certificate. Compounded daily, paid quarterly | 4.25% | — | — | 4.25% | $2,313 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Term Share Accounts/Certificates of Deposit
Up to 4.25%APY · 10 terms
At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsJumbo certificate. Compounded daily, paid monthly | — | 1.00% | —1.00% from $95k | — |
| 3 monthsRegular certificate. Compounded daily, paid monthly | 1.00% | — | 1.00% | $25 |
| 6 monthsJumbo certificate. Compounded daily, paid quarterly | — | 3.75% | —3.75% from $95k | — |
| 6 monthsRegular certificate. Compounded daily, paid quarterly | 3.75% | — | 3.75% | $186 |
| 12 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.10% | —4.10% from $95k | — |
| 12 monthsRegular certificate. Compounded daily, paid quarterly | 4.00% | — | 4.00% | $400 |
| 18 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.10% | —4.10% from $95k | — |
| 18 monthsRegular certificate. Compounded daily, paid quarterly | 4.00% | — | 4.00% | $606 |
| 24 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.20% | —4.20% from $95k | — |
| 24 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | 4.10% | $837 |
| 30 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.20% | —4.20% from $95k | — |
| 30 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | 4.10% | $1,057 |
| 36 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.20% | —4.20% from $95k | — |
| 36 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | 4.10% | $1,281 |
| 42 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.20% | —4.20% from $95k | — |
| 42 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | 4.10% | $1,510 |
| 48 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.20% | —4.20% from $95k | — |
| 48 monthsRegular certificate. Compounded daily, paid quarterly | 4.10% | — | 4.10% | $1,744 |
| 60 monthsJumbo certificate. Compounded daily, paid quarterly | — | 4.35% | —4.35% from $95k | — |
| 60 monthsRegular certificate. Compounded daily, paid quarterly | 4.25% | — | 4.25% | $2,313 |
Sources (2)
All captured Oct 16, 2026
Who can join Greater Texas Credit Union
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