Credit union · NCUA insured
MCLENNAN COUNTY EMPLOYEES FCU CD Rates
MCLENNAN COUNTY EMPLOYEES FCU’s best CD rate is 1.10% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MCLENNAN COUNTY EMPLOYEES FCU’s CD rates compare
Compared with banks and credit unions near Waco, TX, where MCLENNAN COUNTY EMPLOYEES FCU has the most branches. $10,000, best rate first.
This credit union’s best
MCLENNAN COUNTY EMPLOYEES FCU
1.10%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $562
Share Certificates
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
MCLENNAN COUNTY EMPLOYEES FCU CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo0.65%
- 16–30 months16–30 mo0.85%
- 31–60 months31–60 mo1.10%
- QualifiedQualified1.10%
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 MCLENNAN COUNTY EMPLOYEES 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 1.10%APY · 6 terms
Early withdrawal from certificates will be subject to a 90 day dividend penalty. Dividends are compounded quarterly and paid on the last business day of the calendar quarter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPaid quarterly; Contributing | 0.35% | $17 |
| 12 monthsPaid quarterly | 0.65% | $65 |
| 24 monthsPaid quarterly | 0.85% | $171 |
| 36 monthsPaid quarterly | 0.95% | $288 |
| 48 monthsPaid quarterly | 1.05% | $427 |
| 60 monthsPaid quarterly | 1.10% | $562 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Accounts
0.65%APY · 1 term
There is no administration fee charged on the IRA accounts. The IRA accounts cannot be pledged or assigned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.65% | $65 |
Sources (2)
All captured Sep 17, 2026
Who can join MCLENNAN COUNTY EMPLOYEES FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this Credit Union are eligible to join.
Military, government and schools
- Employees of McLennan County, Texas are eligible to join.
Family and household
- Members of immediate families of qualifying employees are eligible to join.
Other ways
- Organizations of eligible persons are eligible for membership.
Membership information collected October 5, 2026.