Credit union · NCUA insured
HEB Federal Credit Union CD Rates
HEB Federal Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How HEB Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where HEB Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HEB Federal Credit Union
3.80%APY
- Term
- 6–18 months
- Minimum
- $10,000
- Earns on $10,000
- —
Flex Share Certificate
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
HEB Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo2.05%
- 16–30 months16–30 mo1.90%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.80%
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 HEB Federal 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.
Flex Share Certificate
3.80%APY · 1 term
New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–18 monthsRequires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends | 3.80% | $188 |
Sources (1)
- hebfcu.org/deposit-rates · captured Oct 6, 2026
Term Share Certificate
Up to 2.05%APY · 6 terms
Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). If account balance falls below disclosed minimum balance requirement, early withdrawal penalties will be assessed and account will be closed. Additional deposits after opening not permitted until maturity date. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less (or 6 months or less per web page), 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with a 10-day grace period.
| Term | APY · $1,000 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsRequires $1,000.00 each day to earn dividends | 0.95% | — | —0.95% $1k–$10k | — |
| 3 monthsRequires $10,000.00 each day to earn dividends | — | 1.35% | 1.35% | $34 |
| 6 monthsRequires $1,000.00 each day to earn dividends | 1.26% | — | —1.26% $1k–$10k | — |
| 6 monthsRequires $10,000.00 each day to earn dividends | — | 1.80% | 1.80% | $90 |
| 12 monthsRequires $1,000.00 each day to earn dividends | 1.44% | — | —1.44% $1k–$10k | — |
| 12 monthsRequires $10,000.00 each day to earn dividends | — | 2.05% | 2.05% | $205 |
| 24 monthsRequires $1,000.00 each day to earn dividends | 1.33% | — | —1.33% $1k–$10k | — |
| 24 monthsRequires $10,000.00 each day to earn dividends | — | 1.90% | 1.90% | $384 |
| 36 monthsRequires $1,000.00 each day to earn dividends | 1.23% | — | —1.23% $1k–$10k | — |
| 36 monthsRequires $10,000.00 each day to earn dividends | — | 1.75% | 1.75% | $534 |
| 60 monthsRequires $1,000.00 each day to earn dividends | 1.23% | — | —1.23% $1k–$10k | — |
| 60 monthsRequires $10,000.00 each day to earn dividends | — | 1.75% | 1.75% | $906 |
Sources (3)
- hebfcu.org/wp-content/uploads/2022/03/TISA.pdf
- hebfcu.org/savings/deposit-rates
- hebfcu.org/savings/term-share-certificates
All captured Oct 16, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 2.05%APY · 6 terms
Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). Annual contributions limited to $5,500.00 during any one year or maximum amount allowed by law; additional deposits permitted up to maximum annual contribution. Non-transferable and non-negotiable; may not be pledged as collateral on any loan. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less, 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with 10-day grace period.
| Term | APY · $1,000 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsRequires $1,000.00 each day to earn dividends | 0.95% | — | —0.95% $1k–$10k | — |
| 3 monthsRequires $10,000.00 each day to earn dividends | — | 1.35% | 1.35% | $34 |
| 6 monthsRequires $1,000.00 each day to earn dividends | 1.26% | — | —1.26% $1k–$10k | — |
| 6 monthsRequires $10,000.00 each day to earn dividends | — | 1.80% | 1.80% | $90 |
| 12 monthsRequires $1,000.00 each day to earn dividends | 1.44% | — | —1.44% $1k–$10k | — |
| 12 monthsRequires $10,000.00 each day to earn dividends | — | 2.05% | 2.05% | $205 |
| 24 monthsRequires $1,000.00 each day to earn dividends | 1.33% | — | —1.33% $1k–$10k | — |
| 24 monthsRequires $10,000.00 each day to earn dividends | — | 1.90% | 1.90% | $384 |
| 36 monthsRequires $1,000.00 each day to earn dividends | 1.23% | — | —1.23% $1k–$10k | — |
| 36 monthsRequires $10,000.00 each day to earn dividends | — | 1.75% | 1.75% | $534 |
| 60 monthsRequires $1,000.00 each day to earn dividends | 1.23% | — | —1.23% $1k–$10k | — |
| 60 monthsRequires $10,000.00 each day to earn dividends | — | 1.75% | 1.75% | $906 |
Sources (1)
- hebfcu.org/wp-content/uploads/2022/03/TISA.pdf · captured Oct 16, 2026
Who can join HEB Federal Credit Union
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