Credit union · NCUA insured
Members First Credit Union CD Rates
Members First Credit Union’s best CD rate is 3.56% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Members First Credit Union’s CD rates compare
Compared with banks and credit unions near Corpus Christi, TX, where Members First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members First Credit Union
3.56%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $176
Regular Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Members First Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.56%
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 First 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.
Regular Certificate
Up to 3.56%APY · 6 terms
No maintenance fees. A penalty will be imposed for early withdrawal. Rates are subject to change daily without prior notice.
| Term | APY · $1,000 and up | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.04% | — | 3.04% | $75 |
| 6 months | 3.56% | — | 3.56% | $176 |
| 12 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $330 |
| 18 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $499 |
| 24 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $671 |
| 36 months | 3.25% | — | 3.25% | $1,006 |
Special-purpose accounts
IRA Certificate
Up to 3.56%APY · 6 terms
Available as Traditional or Roth IRA Certificate. No setup or maintenance fees. Features the same rates and terms as regular Certificates. A penalty will be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.04% | — | 3.04% | $75 |
| 6 months | 3.56% | — | 3.56% | $176 |
| 12 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $330 |
| 18 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $499 |
| 24 monthsAdd 0.30% for Certificates over $100,000.00 | — | 3.30% | 3.30% | $671 |
| 36 months | 3.25% | — | 3.25% | $1,006 |
Grow Up Certificate
Up to 3.50%APY · 6 terms
Special certificate account for children 17 and under. Can start with $5.00 and add money anytime. Maximum balance of $5,000.00. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.00% | — |
| 6 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.50% | — |
| 12 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.25% | — |
| 18 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.25% | — |
| 24 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.25% | — |
| 36 monthsFor children 17 and under. Maximum balance of $5,000.00 | 3.20% | — |
Who can join Members First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live in either Nueces County or Cameron County.
- Eligibility is open to individuals who work in either Nueces County or Cameron County.
Family and household
- Eligibility is open via Existing Family Member Referral.
Membership information collected October 5, 2026.