Credit union · NCUA insured
One Source Federal Credit Union CD Rates
One Source Federal Credit Union’s best CD rate is 3.30% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How One Source Federal Credit Union’s CD rates compare
Compared with banks and credit unions near El Paso, TX, where One Source Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One Source Federal Credit Union
3.30%APY
- Term
- 12 months
- Minimum
- $50
- Earns on $10,000
- $330
MoneyTree CD
Top rate
Raiz
4.44%APY
- Term
- 12 months
- Minimum
- $25
- Earns on $10,000
- $444
2nd-highest rate
GECU
4.44%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $444
One Source Federal Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 One Source 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.
Bump-it-Up Share Certificate
3.30%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.30% | $671 |
Sources (1)
- onesourcefcu.org/rates/deposit-rates · captured Oct 6, 2026
MoneyTree CD
3.30%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.30% | $330 |
Sources (2)
All captured Oct 6, 2026
Share Certificates
Up to 3.30%APY · 7 terms
All share certificate rates and APYs are stated as annual rates and are paid monthly or compounded monthly and paid at maturity. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPaid monthly or compounded monthly and paid at maturity | 2.78% | $138 |
| 12 monthsPaid monthly or compounded monthly and paid at maturity | 3.30% | $330 |
| 18 monthsPaid monthly or compounded monthly and paid at maturity | 3.04% | $459 |
| 24 monthsPaid monthly or compounded monthly and paid at maturity | 3.04% | $617 |
| 36 monthsPaid monthly or compounded monthly and paid at maturity | 3.09% | $956 |
| 48 monthsPaid monthly or compounded monthly and paid at maturity | 3.20% | $1,343 |
| 60 monthsPaid monthly or compounded monthly and paid at maturity | 3.30% | $1,763 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.30%APY · 7 terms
IRA Share Certificates include Traditional and Roth IRAs; rates and terms are the same as regular share certificates (excluding 3 Month Share Certificate). Minimum opening deposit is $1,000 up to and including 36 months, and $2,500 for 48, 60, and 24 month bumpable terms. Paid monthly or compounded monthly and paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRates and terms same as regular share certificates | 2.78% | $138 |
| 12 monthsRates and terms same as regular share certificates | 3.30% | $330 |
| 18 monthsRates and terms same as regular share certificates | 3.04% | $459 |
| 24 months24-month bumpable term for IRA share certificate | 3.30% | $671 |
| 24 monthsRates and terms same as regular share certificates | 3.04% | $617 |
| 36 monthsRates and terms same as regular share certificates | 3.09% | $956 |
| 48 monthsRates and terms same as regular share certificates | 3.20% | $1,343 |
| 60 monthsRates and terms same as regular share certificates | 3.30% | $1,763 |
Sources (3)
- onesourcefcu.org/accounts/certificates-of-deposit
- onesourcefcu.org/rates/deposit-rates
- onesourcefcu.org/accounts/indi…retirement-accounts-iras
All captured Oct 6, 2026
Who can join One Source Federal Credit Union
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