Credit union · NCUA insured
MTCU CD Rates
MTCU’s best CD rate is 2.38% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MTCU’s CD rates compare
Compared with banks and credit unions near Midland, TX, where MTCU has the most branches. $10,000, best rate first.
This credit union’s best
MTCU
2.28%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $228
Certificates of Deposit
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
MTCU CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo2.14%
- 9–15 months9–15 mo2.28%
- 16–30 months16–30 mo2.12%
- 31–60 months31–60 mo1.92%
- QualifiedQualified2.28%
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 MTCU 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.
Certificates of Deposit
Up to 2.28%APY · 5 terms
CD rates are subject to change daily. Early withdrawal penalties may reduce earnings. Dividends credited monthly.
| Term | APY · $1,000 – $49,999 | APY · $50,000 – $98,999 | APY · $99,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsDividends credited monthly. Early withdrawal penalties may reduce earnings | 1.71% | 1.76% | 1.82% | 1.71%1.76% $50k–$99k1.82% from $99k | $42 |
| 6 monthsDividends credited monthly. Early withdrawal penalties may reduce earnings | 2.14% | 2.19% | 2.24% | 2.14%2.19% $50k–$99k2.24% from $99k | $106 |
| 12 monthsDividends credited monthly. Early withdrawal penalties may reduce earnings | 2.28% | 2.33% | 2.38% | 2.28%2.33% $50k–$99k2.38% from $99k | $228 |
| 24 monthsDividends credited monthly. Early withdrawal penalties may reduce earnings | 2.12% | 2.17% | 2.22% | 2.12%2.17% $50k–$99k2.22% from $99k | $428 |
| 60 monthsDividends credited monthly. Early withdrawal penalties may reduce earnings | 1.92% | 1.97% | 2.02% | 1.92%1.97% $50k–$99k2.02% from $99k | $998 |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 6, 2026
Who can join MTCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or do business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, or Upton are eligible to join MTCU.
Cost to join
- Joining MTCU requires a minimum deposit of $25 into a savings account.
Membership information collected October 5, 2026.