Credit union · NCUA insured
NAFT Federal Credit Union CD Rates
Top CarrotNAFT Federal Credit Union’s best CD rate is 3.74% APY on a 6-month share certificate (CD). Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How NAFT Federal Credit Union’s CD rates compare
Compared with banks and credit unions near McAllen, TX, where NAFT Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NAFT Federal Credit Union
3.74%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $185
Term Share Certificates
Top rate
Bank of South Texas
4.44%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $220
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
NAFT Federal Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.74%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo2.88%
- 31–60 months31–60 mo2.88%
- QualifiedQualified3.74%
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 NAFT 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.
Term Share Certificates
Up to 3.74%APY · 7 terms
Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthDividends Paid: At Maturity | 0.15% | $1 |
| 6 monthsDividends Paid: At Maturity | 3.74% | $185 |
| 12 monthsDividends Paid: Quarterly | 3.55% | $355 |
| 18 monthsDividends Paid: Quarterly | 2.88% | $435 |
| 24 monthsDividends Paid: Quarterly | 2.88% | $584 |
| 30 monthsDividends Paid: Quarterly | 2.88% | $736 |
| 36 monthsDividends Paid: Quarterly | 2.88% | $889 |
Mini Jumbo Certificate
2.42%APY · 2 terms
Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends Paid: Quarterly | 2.42% | — |
| 18 monthsDividends Paid: Quarterly | 2.42% | — |
Sources (1)
- naftfcu.coop/rates/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.55%APY · 2 terms
Penalty may apply for early withdrawal. IRA contribution limits and options (Traditional, Roth, Coverdell) subject to IRS regulations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends Paid: Quarterly | 3.55% | $355 |
| 18 monthsDividends Paid: Quarterly | 2.88% | $435 |
Who can join NAFT 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
- Anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County is eligible to join NAFT Federal Credit Union.
Membership information collected October 5, 2026.