Credit union · NCUA insured
Houston Police Credit Union CD Rates
Top CarrotHouston Police Credit Union’s best CD rate is 4.02% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Houston Police Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Houston Police Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Houston Police Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $382
Share Certificates
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 Police Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.40%
- QualifiedQualified3.82%
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 Police 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 Certificates
Up to 3.82%APY · 4 terms
Excludes Traditional, Roth and Roth Conversion Share Certificates. Compounded and credited monthly. Subject to a penalty for early withdrawal prior to maturity.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsJumbo type. Subject to a penalty for early withdrawal | — | 3.97% | —3.97% from $100k | — |
| 6 monthsRegular type. Subject to a penalty for early withdrawal | 3.76% | — | 3.76% | $186 |
| 12 monthsJumbo type. Subject to a penalty for early withdrawal | — | 4.02% | —4.02% from $100k | — |
| 12 monthsRegular type. Subject to a penalty for early withdrawal | 3.82% | — | 3.82% | $382 |
| 18 monthsJumbo type. Subject to a penalty for early withdrawal | — | 3.56% | —3.56% from $100k | — |
| 18 monthsRegular type. Subject to a penalty for early withdrawal | 3.40% | — | 3.40% | $514 |
| 24 monthsJumbo type. Subject to a penalty for early withdrawal | — | 3.30% | —3.30% from $100k | — |
| 24 monthsRegular type. Subject to a penalty for early withdrawal | 3.14% | — | 3.14% | $638 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Traditional, Roth, and Roth Conversion IRA Share Certificates
Up to 3.82%APY · 3 terms
Earns dividends at a declared rate, compounded and paid monthly. Subject to a penalty for early withdrawal prior to maturity.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsJumbo type. Subject to a penalty for early withdrawal | — | 4.02% | —4.02% from $100k | — |
| 12 monthsRegular type. Subject to a penalty for early withdrawal | 3.82% | — | 3.82% | $382 |
| 18 monthsJumbo type. Subject to a penalty for early withdrawal | — | 3.56% | —3.56% from $100k | — |
| 18 monthsRegular type. Subject to a penalty for early withdrawal | 3.40% | — | 3.40% | $514 |
| 24 monthsJumbo type. Subject to a penalty for early withdrawal | — | 3.30% | —3.30% from $100k | — |
| 24 monthsRegular type. Subject to a penalty for early withdrawal | 3.14% | — | 3.14% | $638 |
Who can join Houston Police Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Active or retired Law Enforcement civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
- Active or retired Law Enforcement Officers within the Houston Metropolitan Statistical Area are eligible to join.
Family and household
- Family members (including spouse, children, daughter/son-in-law, siblings, parents, mother/father-in-law, grandparents, grandchildren, great grandchildren, and legal dependents) of eligible Law Enforcement and civilian employees are eligible to join.
- Surviving spouses of deceased Law Enforcement Officers or civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
Cost to join
- A minimum opening deposit of $5 is required to join the credit union.
Membership information collected October 5, 2026.