Credit union · NCUA insured
Pantex Federal Credit Union CD Rates
Pantex Federal Credit Union’s best CD rate is 3.82% APY on an 18-month share certificate (CD). Terms run from 2 months to 2 years. Rates checked October 16, 2026.
How Pantex Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Borger, TX, where Pantex Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pantex Federal Credit Union
3.82%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $578
Share Certificates
Top rate
Education Credit Union
4.15%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,297
2nd-highest rate
Santa Fe Federal Credit Union
4.07%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $617
Pantex Federal Credit Union CD score
80
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo3.77%
- 16–30 months16–30 mo3.82%
- QualifiedQualified3.82%
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 Pantex 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.
Share Certificates
Up to 3.82%APY · 6 terms
Early withdrawal penalties apply to share certificates. A certificate may not be reduced below the minimum balance. Receiving dividends by taking monthly withdrawals will reduce the APY. Automatically renews at maturity at prevailing rate unless chosen otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 monthsDividends compounded/credited to your certificate monthly | 2.53% | $42 |
| 3 monthsDividends compounded/credited to your certificate monthly | 2.79% | $69 |
| 6 monthsDividends compounded/credited to your certificate monthly | 3.72% | $184 |
| 12 monthsDividends compounded/credited to your certificate monthly | 3.77% | $377 |
| 18 monthsDividends compounded/credited to your certificate monthly | 3.82% | $578 |
| 24 monthsDividends compounded/credited to your certificate monthly | 3.15% | $640 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificate
2.79%APY · 1 term
Early withdrawal penalties apply to share certificates. A certificate may not be reduced below the minimum balance. Receiving dividends by taking monthly withdrawals will reduce the APY. Roth IRAs have the same rates and terms as the traditional IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends compounded/credited to your certificate monthly. Stated as No Minimum balance | 2.79% | $421 |
Who can join Pantex 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
- Persons who live, work, worship, volunteer or attend school in and businesses and other legal entities in the area within the city limits of Amarillo inside of Potter County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within Hutchinson County.
- Persons who live, work, worship, volunteer, or attend school in and businesses and other legal entities within the southern city limits of Pampa, Tx in Gray County.
Employers and groups
- Employees of American Fertilizer & Chemical Company who work at Henderson, Colorado.
- Employees of Anadarko Petroleum who work in Hutchinson County.
- Employees of specified entities (Agrium, Inc., Golden Plains Community Hospital, H.B. Zachry Company, J.M. Huber Corporation, Engineered Carbons, Inc., Sid Richard Carbon and Gasoline Company) who work in Borger, TX.
13 more ways to join
Employers and groups
- Management or supervisory employees of construction or maintenance firms who work under contract with Phillips Petroleum Company or J.M. Huber/ECI Companies in Hutchinson County or Beaver or Texas Counties of Oklahoma.
- Employees of this credit union.
- Employees of DCP (f.k.a. Duke Energies) who work in Texas, New Mexico, or Beaver or Texas counties of Oklahoma.
- Employees of HydroChem Industrial who work at the Phillips Refinery.
- Employees of United Supermarkets, G.P. Guinn Trucking, Inc., Country Chevrolet, Spradling, Inc., Gasket and Packings, Inc., AMECO, or Harvey Tire Company who work in Borger.
- Employees of Phillips Petroleum Company and Phillips Pipeline Company who work in Beaver and Texas counties of Oklahoma, and Natrona and Converse counties in Wyoming.
- Employees of Phillips Petroleum Company who work in Alaska, or at designated plants in Nebraska, Washington, or Ohio.
- Employees of Phillips Petroleum Company who work in Texas or New Mexico, including designated Borger Strategic Business Unit and Philtex/Ryton Complex employees.
- Members of Local Union #463 in Borger, Texas.
Military, government and schools
- Employees of specified political subdivisions of the State of Texas (The City of Borger, The City of Fritch, The City of Panhandle, The City of Stinnett, Hutchinson County, Hutchinson County Appraisal District).
Family and household
- Members of immediate families.
Other ways
- Persons retired from all the above-mentioned employment.
- Spouses of persons who died while within the field of membership of this credit union.
Membership information collected October 5, 2026.