Credit union · NCUA insured
Houston Highway Credit Union CD Rates
Houston Highway Credit Union’s best CD rate is 3.49% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Houston Highway Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Houston Highway Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Houston Highway Credit Union
3.49%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $349
Share Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Houston Highway Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo3.49%
- 16–30 months16–30 mo3.09%
- 31–60 months31–60 mo2.47%
- QualifiedQualified3.49%
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 Houston Highway 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.
Share Certificate
Up to 3.49%APY · 6 terms
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 2.02% | 2.02% | 2.02% | 2.02% | 2.02%2.02% from $10k2.02% from $50k2.02% from $95k | $100 |
| 12 months | 3.49% | 3.49% | 3.49% | 3.49% | 3.49%3.49% from $10k3.49% from $50k3.49% from $95k | $349 |
| 15 months | 3.29% | 3.29% | 3.29% | 3.29% | 3.29%3.29% from $10k3.29% from $50k3.29% from $95k | $413 |
| 18 months | 3.09% | 3.09% | 3.09% | 3.09% | 3.09%3.09% from $10k3.09% from $50k3.09% from $95k | $467 |
| 24 months | 2.88% | 2.88% | 2.88% | 2.88% | 2.88%2.88% from $10k2.88% from $50k2.88% from $95k | $584 |
| 36 months | 2.47% | 2.47% | 2.47% | 2.47% | 2.47%2.47% from $10k2.47% from $50k2.47% from $95k | $759 |
Sources (2)
All captured Sep 17, 2026
Certificates of Deposit (CD)
Up to 3.09%APY · 4 terms
Members can add to their CD at any time while keeping their original rate and term. Penalty for early withdrawal. 7-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 12 months | 3.09% | $309 |
| 24 months | 2.88% | $584 |
| 36 months | 2.47% | $759 |
Sources (1)
- houstonhighwaycu.com/share-certificates-cd · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 3.49%APY · 3 terms
Must use funds transferred from an existing IRA.
| Term | APY · $10,000 and up | APY · $50,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 3.49% | 3.49% | 3.49% | 3.49%3.49% from $50k3.49% from $95k | $349 |
| 24 months | 2.88% | 2.88% | 2.88% | 2.88%2.88% from $50k2.88% from $95k | $584 |
| 36 months | 2.47% | 2.47% | 2.47% | 2.47%2.47% from $50k2.47% from $95k | $759 |
Who can join Houston Highway Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships within a 10-mile radius of the credit union's location.
Membership information collected October 5, 2026.