Credit union · NCUA insured
PECU CD Rates
Top CarrotPECU’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How PECU’s CD rates compare
Compared with banks and credit unions near Austin, TX, where PECU has the most branches. $10,000, best rate first.
This credit union’s best
PECU
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
CD
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
PECU CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.00%
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 PECU 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.
CD
Up to 4.00%APY · 5 terms
Minimum balance $1,000.00. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.00% | $400 |
| 24 months | 4.00% | $816 |
| 36 months | 3.90% | $1,216 |
| 48 months | 3.85% | $1,631 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA CD
Up to 4.00%APY · 4 terms
Minimum balance $1,000.00. 6 month certificates are not available under IRAs. Automatic renewal at end of term with a 10-day grace period. Early withdrawal penalty applies (terms of 1 year or less: 90 days loss of dividends; terms greater than 1 year: 180 days loss of dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 24 months | 4.00% | $816 |
| 36 months | 3.90% | $1,216 |
| 48 months | 3.85% | $1,631 |
Sources (2)
All captured Oct 16, 2026
Who can join PECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school within a 10-mile radius of any PECU office.
- Membership is open to anyone who lives, works, worships, or attends school in Travis County.
- Membership is open to anyone who lives, works, worships, or attends school in Williamson County.
- Membership is open to anyone who lives, works, worships, or attends school in Bastrop County and Hays County.
Membership information collected October 5, 2026.