Credit union · NCUA insured
Members Financial Federal Credit Union CD Rates
Members Financial Federal Credit Union’s best CD rate is 4.08% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Members Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Midland, TX, where Members Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Financial Federal Credit Union
3.05%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $646
Certificate of Deposit Accounts
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
UMB Bank
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $534
Members Financial Federal Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo3.05%
- QualifiedQualified3.05%
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 Members Financial 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.
Certificate of Deposit Accounts
Up to 3.05%APY · 8 terms
To open a Certificate of Deposit Account you must deposit the minimum amount required that is associated with the certificate term desired. Once your account is established you may not make any additional deposits into the account during the elected term. If the account is closed or any of the principal amount is withdrawn before maturity date the credit union will impose a penalty: 3 months interest for a 6 month term certificate, and 6 months interest for a term of 12 months or more. Membership requires payment of $25.00 in Share Savings account.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $50,000 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.05% | 0.10% | 0.15% | — | 0.10%0.05% $1k–$10k0.15% from $50k | $5 |
| 12 months | — | — | — | 3.98% | —3.98% from $100k | — |
| 13 months | 2.02% | 2.53% | 3.05% | — | 2.53%2.02% $1k–$10k3.05% from $50k | $274 |
| 18 months | 2.28% | 2.79% | 3.56% | 4.08% | 2.79%2.28% $1k–$10k3.56% from $50k4.08% from $100k | $421 |
| 25 months | 2.53% | 3.05% | 3.82% | — | 3.05%2.53% $1k–$10k3.82% from $50k | $646 |
| 36 months | 0.35% | — | 0.40% | — | —0.35% $1k–$10k0.40% from $50k | — |
| 48 months | 0.45% | — | 0.50% | — | —0.45% $1k–$10k0.50% from $50k | — |
| 60 months | 0.55% | — | 0.60% | — | —0.55% $1k–$10k0.60% from $50k | — |
Sources (2)
All captured Sep 17, 2026
Who can join Members Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Midland County or Ector County.
Membership information collected October 5, 2026.