Credit union · NCUA insured
Openland Credit Union CD Rates
Openland Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Openland Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Openland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Openland Credit Union
3.90%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,108
Term Share Certificate
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
Openland Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 Openland 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 CD
Up to 4.00%APY · 9 terms
Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.35% | $34 |
| 6 months | 3.60% | $178 |
| 12 months | 3.85% | $385 |
| 18 months | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 30 months | 3.10% | $793 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 6, 2026
Term Share Certificate
Up to 3.90%APY · 9 terms
Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.25% | $31 |
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 30 months | 3.00% | $767 |
| 36 months | 3.70% | $1,152 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.90% | $2,108 |
Sources (2)
All captured Oct 6, 2026
No Penalty CD Special
3.75%APY · 1 term
Limited time offer. Member may withdraw or add additional funds during initial term only (maximum of one addition of funds and one early penalty-free withdrawal). Not eligible for businesses or IRA CDs. Membership required with $1 minimum opening deposit for savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsLimited to a maximum of one addition of funds and one early penalty-free withdrawal during initial term only. Not eligible for businesses or IRA CDs | 3.75% | $568 |
Sources (2)
- openlandcu.com/promotions/no-penalty-cd-special
- openlandcu.com/promotions/no-p…d-special/open-cd-online
All captured Oct 6, 2026
Who can join Openland Credit Union
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