Credit union · NCUA insured
Memorial Credit Union CD Rates
Memorial Credit Union’s best CD rate is 3.26% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How Memorial Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Memorial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Memorial Credit Union
3.19%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $319
Share Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Memorial Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.19%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.19%
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 Memorial 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.
Jumbo Certificate of Deposit
Up to 3.26%APY · 6 terms
Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $50,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.11% | $154 |
| 12 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.26% | $326 |
| 18 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.11% | $470 |
| 24 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 2.95% | $599 |
| 36 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 2.85% | $880 |
| 60 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 2.04% | $1,062 |
Sources (2)
All captured Sep 25, 2026
Share Certificate of Deposit
Up to 3.19%APY · 6 terms
Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.03% | $150 |
| 12 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.19% | $319 |
| 18 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 3.03% | $458 |
| 24 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 2.88% | $584 |
| 36 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 2.78% | $857 |
| 60 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies | 1.96% | $1,019 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
Jumbo IRA Certificate of Deposit
Up to 3.26%APY · 6 terms
Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $50,000. IRA CD options include Traditional, Roth, and Coverdell.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.11% | $154 |
| 12 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.26% | $326 |
| 18 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.11% | $470 |
| 24 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 2.95% | $599 |
| 36 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 2.85% | $880 |
| 60 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 2.04% | $1,062 |
Sources (3)
- memorialcu.org/services/certificate-of-deposit-rates
- memorialcu.org/share-rates
- memorialcu.org/individual-retirement-account
All captured Sep 25, 2026
IRA Share Certificate of Deposit
Up to 3.19%APY · 6 terms
Membership required. APY assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Minimum opening deposit $1,000. IRA CD options include Traditional, Roth, and Coverdell.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.03% | $150 |
| 12 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.19% | $319 |
| 18 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 3.03% | $458 |
| 24 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 2.88% | $584 |
| 36 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 2.78% | $857 |
| 60 monthsAPY assumes dividends remain in account until maturity. Early withdrawal penalty applies. Traditional/Roth/Coverdell IRA options available | 1.96% | $1,019 |
Sources (3)
- memorialcu.org/services/certificate-of-deposit-rates
- memorialcu.org/share-rates
- memorialcu.org/individual-retirement-account
All captured Sep 25, 2026
Who can join Memorial 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 Harris County residents and those who live, worship, work, or attend school within Harris County.
- Membership is open to those who live, worship, work, or attend school within a 10-mile radius of an MCU branch location.
Employers and groups
- Membership is open to employees and families of the Memorial Hermann Healthcare System.
- Membership is open to Memorial Hermann Healthcare System (MHHS) medical professional building tenants.
- Membership is open to Memorial Hermann Healthcare System (MHHS) contractors and vendors.
- Membership is open to Memorial Hermann Healthcare System (MHHS) volunteers.
1 more way to join
Family and household
- Eligible family members include spouses, parents, siblings, children, step relations, grandparents, and grandchildren.
Membership information collected October 5, 2026.