Credit union · NCUA insured
Member Preferred Federal Credit Union CD Rates
Member Preferred Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Member Preferred Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Member Preferred Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Member Preferred Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $425
FLEX Certificate
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Member Preferred Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.56%
- QualifiedQualified4.25%
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 Member Preferred Federal 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.
FLEX Certificate
4.25%APY · 1 term
Open to new and existing members (non-members must qualify for MPFCU membership and open a Regular Share Savings Account with $25 minimum opening deposit). Opening deposit must be funds not already with Member Preferred FCU. Minimum $2,500 deposit required to open and earn APY. Allows 1 additional deposit ($500 minimum) per calendar month (up to 11 deposits per term) and 1 penalty-free withdrawal ($500 minimum) per calendar month. Withdrawals cannot reduce certificate balance below $2,500 or 50% (or 60% in disclosures) of original opening deposit, whichever is greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPromotional rate and APY for 12 months term. Minimum deposit $2,500 required to open and earn APY | 4.25% | $425 |
Share Certificate
Up to 3.87%APY · 3 terms
Minimum Certificate balance is $500.00. Early withdrawal penalty is 90 days for 12 month term and less, 180 days for over 12 month terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.87% | $387 |
| 24 months | 3.56% | $725 |
Sources (1)
- memberpreferredfcu.com/rates · captured Sep 17, 2026
12 month CD (SaveMore)
1.25%APY · 1 term
Terms and conditions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.25% | $125 |
Sources (1)
- memberpreferredfcu.com · captured Sep 17, 2026
Who can join Member Preferred Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.