Credit union · NCUA insured
NSPIRE FCU CD Rates
NSPIRE FCU’s best CD rate is 4.00% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How NSPIRE FCU’s CD rates compare
Compared with banks and credit unions near Corpus Christi, TX, where NSPIRE FCU has the most branches. $10,000, best rate first.
This credit union’s best
NSPIRE FCU
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $400
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
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 6 terms
Early Withdrawal Penalties Apply for all Certificate of Deposits. Dividends are paid monthly using the simple interest method (does not compound).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 6 monthsFull Service Accounts (FS) include draft account with direct deposit and debit card (or checks); must be established 3 months to receive updated premium rate | 3.75% | $186 |
| 12 months | 3.75% | $375 |
| 12 monthsFull Service Accounts (FS) include draft account with direct deposit and debit card (or checks); must be established 3 months to receive updated premium rate | 4.00% | $400 |
| 24 months | 4.00% | $816 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- nspirefcu.com/savings-rates · captured Sep 17, 2026
Who can join NSPIRE FCU
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