Members Trust Federal Credit Union CD Rates

How Members Trust Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Houston, TX, where Members Trust Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Members Trust Federal Credit Union
4.39%APY
Term
36 months
Minimum
$1,000
Earns on $10,000
$1,376
Certificate Accounts
Top rate
First Eagle Federal Credit Union
5.00%APY
Term
12 months
Minimum
$500
Earns on $10,000
$500
First Eagle Federal Credit Union rates
2nd-highest rate
Gulf Capital Bank
4.91%APY
Term
36 months
Minimum
$1,000
Earns on $10,000
$1,546
Gulf Capital Bank rates

Compare CD rates near you →

CD score

Higher than 98% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.13%
9–15 months9–15 mo4.23%
16–30 months16–30 mo4.33%
31–60 months31–60 mo4.39%
QualifiedQualified4.39%

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 Members Trust 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 Accounts

Up to 4.39%APY · 7 termsFrom $1,000 to open

Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.

Earnings on $10,000 over the term.
Term	APY · $1,000 and up	APY · $25,000 and up	APY · $90,000 and up	APY	Earns on $10,000Earns
6 months182 Days; (Min. $90,000)	—	—	4.33%	—4.33% from $90k	—
6 months182 Days; Min. $1,000 tier	4.13%	—	—	4.13%	$204
6 months182 Days; Mini- (Min. $25,000)	—	4.23%	—	—4.23% from $25k	—
12 months1 Year; (Min. $90,000)	—	—	4.44%	—4.44% from $90k	—
12 months1 Year; Min. $1,000 tier	4.23%	—	—	4.23%	$423
12 months1 Year; Mini- (Min. $25,000)	—	4.33%	—	—4.33% from $25k	—
24 months2 Years; (Min. $90,000)	—	—	4.54%	—4.54% from $90k	—
24 months2 Years; Min. $1,000 tier	4.33%	—	—	4.33%	$885
24 months2 Years; Mini- (Min. $25,000)	—	4.44%	—	—4.44% from $25k	—
30 months30 Months; (Min. $90,000)	—	—	4.54%	—4.54% from $90k	—
30 months30 Months; Min. $1,000 tier	4.33%	—	—	4.33%	$1,118
30 months30 Months; Mini- (Min. $25,000)	—	4.44%	—	—4.44% from $25k	—
36 months3 Years; (Min. $90,000)	—	—	4.59%	—4.59% from $90k	—
36 months3 Years; Min. $1,000 tier	4.39%	—	—	4.39%	$1,376
36 months3 Years; Mini- (Min. $25,000)	—	4.49%	—	—4.49% from $25k	—
48 months4 Years; (Min. $90,000)	—	—	4.59%	—4.59% from $90k	—
48 months4 Years; Min. $1,000 tier	4.39%	—	—	4.39%	$1,875
48 months4 Years; Mini- (Min. $25,000)	—	4.49%	—	—4.49% from $25k	—
60 months5 Years; (Min. $90,000)	—	—	4.59%	—4.59% from $90k	—
60 months5 Years; Min. $1,000 tier	4.39%	—	—	4.39%	$2,396
60 months5 Years; Mini- (Min. $25,000)	—	4.49%	—	—4.49% from $25k	—

Sources (2)

All captured Oct 16, 2026

Who can join Members Trust 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

Open to anyone who works, lives, worships, or attends school in Erath County, Texas.
Open to anyone who works, lives, worships, or attends school in Houston’s Underserved area.
Open to anyone who works, lives, worships, or attends school in Oklahoma zip codes 73102, 73106, 73107, 73108, 73109, 73119, 73129, 73139, 73149, and 73159.

Employers and groups

Open to employees and family members of employees of listed Select Employee Groups (SEGs).
Open to existing members of, or anyone who agrees to join, the Tomball Memorial FFA Booster Club.

Family and household

Open to individuals related to an existing MTFCU member by blood, marriage, adoption, or who share a household with an existing MTFCU member.

Cost to join

Requires a $5.00 deposit into a Share Account held for the duration of membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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