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Credit union · NCUA insured

LCRA CU CD Rates

LCRA CU’s best CD rate is 3.95% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.

How LCRA CU’s CD rates compare

Compared with banks and credit unions near Austin, TX, where LCRA CU has the most branches. $10,000, best rate first.

  • This credit union’s best

    LCRA CU

    3.95%APY

    Term
    6 months
    Minimum
    $500
    Earns on $10,000
    $196

    Term Certificate

  • Top rate

    First National Bank of Bastrop

    5.00%APY

    Term
    7 months
    Minimum
    $10,000
    Earns on $10,000
    $289

    First National Bank of Bastrop rates

  • 2nd-highest rate

    Austin Capital Bank

    4.58%APY

    Term
    3 months
    Minimum
    $1,000
    Earns on $10,000
    $113

    Austin Capital Bank rates

Compare CD rates near you →

LCRA CU CD score

82

CD score

Higher than 60% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.95%
  • 9–15 months9–15 mo3.75%
  • 16–30 months16–30 mo3.75%
  • QualifiedQualified3.95%

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.

How the score works →

Where LCRA CU 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.

Who can join LCRA CU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Persons who live, work, attend school, or worship in, and businesses located within a 10-mile radius of LCRA Credit Union's office located at 3505 Montopolis, Austin, TX 78744 are eligible for membership.

Employers and groups

  • Any business or organization whose employees or members are within this field of membership is eligible for membership.
  • Members and Friends of the Colorado River Foundation are eligible for membership.
  • Groups of employees or members of companies or associations located within ten miles of the credit union's main office or any additional office that have furnished written evidence of sponsor support are eligible for membership, subject to specific group size and primary credit union restrictions.
  • Contract employees assigned permanently or temporarily to any affiliate of the Lower Colorado River Authority are eligible for membership.
  • Employees of subsidiaries and affiliates, owned or operated by LCRA and paid from Austin, Texas are eligible for membership.
9 more ways to join

Employers and groups

  • Employees and Board Members and/or City Council Members of the Wholesale Customers of the Lower Colorado River Authority are eligible for membership.
  • Employees and Board Members of the San Bernard Electric Coop are eligible for membership.
  • Employees of St. Mark's Medical Center, La Grange, Texas are eligible for membership.

Military, government and schools

  • Employees of County of Fayette, Fayette County, Texas are eligible for membership.
  • Employees and Board Members of the Housing Authority of the City of Luling are eligible for membership.
  • Employees and Board Members of the Lower Colorado River Authority are eligible for membership.

Family and household

  • Immediate family members of members are eligible for membership at LCRA Credit Union.
  • Spouses of persons who died while within the field of membership of this credit union are eligible for membership.

Other ways

  • Persons receiving retirement, pension, or other benefits as a result of prior employment by any business or organization included within this field of membership are eligible for membership.

Cost to join

  • A deposit of $5 is required to open an account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← LCRA CU overview