Credit union · NCUA insured
La Joya Area FCU CD Rates
La Joya Area FCU’s best CD rate is 1.81% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How La Joya Area FCU’s CD rates compare
Compared with banks and credit unions near McAllen, TX, where La Joya Area FCU has the most branches. $10,000, best rate first.
This credit union’s best
La Joya Area FCU
1.81%APY
- Term
- 60 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $938
Share Certificates
Top rate
Bank of South Texas
4.44%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $220
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
La Joya Area FCU CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo0.80%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.81%
- QualifiedQualified1.81%
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 La Joya Area FCU 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 1.81%APY · 7 terms
Rates effective September 15, 2011 (page effective as of 11/1/2016) and are subject to change without notice. A penalty may be imposed for early withdrawal. Minimum Balance of $1000.00. Federally insured to $250,000.00 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal | 0.60% | $30 |
| 12 monthsPenalty may be imposed for early withdrawal | 0.80% | $80 |
| 18 monthsPenalty may be imposed for early withdrawal | 0.90% | $135 |
| 24 monthsPenalty may be imposed for early withdrawal | 1.26% | $254 |
| 36 monthsPenalty may be imposed for early withdrawal | 1.46% | $444 |
| 48 monthsPenalty may be imposed for early withdrawal | 1.61% | $660 |
| 60 monthsPenalty may be imposed for early withdrawal | 1.81% | $938 |
Sources (3)
- lajoyacreditunion.coop/products/index.php
- lajoyacreditunion.coop/products/savings.php
- lajoyacreditunion.coop/cuInfo/rates.php
All captured Oct 6, 2026
Who can join La Joya Area FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works within the Hidalgo County boundaries is eligible for membership.
Family and household
- Anyone who has an immediate family member who lives or works within Hidalgo County boundaries is eligible for membership.
Cost to join
- Children under 18, students in High School, and adults over 55 are exempt from the fee and can join with only a $25.00 deposit.
- New members must deposit at least $25.00 in a share (savings) account.
- Standard new members must pay a $5.00 membership application fee.
Membership information collected October 5, 2026.