Credit union · NCUA insured
PrimeWay Federal Credit Union CD Rates
Top CarrotPrimeWay Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How PrimeWay Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where PrimeWay Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PrimeWay Federal Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $425
WealthBuilder 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
PrimeWay Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo0.55%
- QualifiedQualified4.25%
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 PrimeWay 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.
WealthBuilder Certificate
4.25%APY · 1 term
Additional deposits allowed. Early withdrawal penalty of 120 days interest. At maturity, certificates with balances of $1,000 or more will renew as a standard 12-month certificate; balances under $1,000 renew as WealthBuilder certificates. Cannot be pledged as security for a loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEffective date 10/05/2026 | 4.25% | $425 |
Promotional Certificate of Deposit
Up to 4.20%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.00% | $231 |
| 7 months90 Days Interest early withdrawal penalty | 3.85% | $223 |
| 10 months90 Days Interest early withdrawal penalty; Tax Time Certificate | 4.00% | $332 |
| 10 monthsNew Deposits | 4.20% | $349 |
| 12 months90 Days Interest early withdrawal penalty | 3.65% | $365 |
| 18 months120 Days Interest early withdrawal penalty | 3.65% | $552 |
| 24 months180 Days Interest early withdrawal penalty; New Deposits | 3.25% | $661 |
Sources (3)
All captured Oct 6, 2026
Certificate of Deposit
Up to 0.55%APY · 7 terms
Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
| Term | APY · Any balance | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | 0.10% | — | 0.10% | $5 |
| 6 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | — | 0.15% | —0.15% from $250k | — |
| 12 monthsDividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | 0.15% | — | 0.15% | $15 |
| 12 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | — | 0.20% | —0.20% from $250k | — |
| 18 monthsDividends compounded and credited monthly. Early withdrawal penalty of 120 days interest | 0.20% | — | 0.20% | $30 |
| 18 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 120 days interest | — | 0.25% | —0.25% from $250k | — |
| 24 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest. Additional deposits not allowed | 0.20% | — | 0.20% | $40 |
| 24 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest. Additional deposits not allowed | — | 0.25% | —0.25% from $250k | — |
| 36 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.30% | — | 0.30% | $90 |
| 36 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.35% | —0.35% from $250k | — |
| 48 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.50% | — | 0.50% | $202 |
| 48 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.55% | —0.55% from $250k | — |
| 60 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.55% | — | 0.55% | $278 |
| 60 monthsJumbo Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.60% | —0.60% from $250k | — |
Special-purpose accounts
IRA Certificate of Deposit
Up to 0.55%APY · 7 terms
Early withdrawal penalties apply; additional taxes and IRS penalties may apply for IRAs. Automatic renewal with 10-day grace period. Cannot be pledged as security for a loan.
| Term | APY · Any balance | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | 0.10% | — | 0.10% | $5 |
| 6 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | — | 0.15% | —0.15% from $250k | — |
| 12 monthsDividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | 0.15% | — | 0.15% | $15 |
| 12 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 90 days interest | — | 0.20% | —0.20% from $250k | — |
| 18 monthsDividends compounded and credited monthly. Early withdrawal penalty of 120 days interest | 0.20% | — | 0.20% | $30 |
| 18 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 120 days interest | — | 0.25% | —0.25% from $250k | — |
| 24 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest. Additional deposits not allowed | 0.20% | — | 0.20% | $40 |
| 24 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest. Additional deposits not allowed | — | 0.25% | —0.25% from $250k | — |
| 36 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.30% | — | 0.30% | $90 |
| 36 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.35% | —0.35% from $250k | — |
| 48 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.50% | — | 0.50% | $202 |
| 48 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.55% | —0.55% from $250k | — |
| 60 monthsDividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | 0.55% | — | 0.55% | $278 |
| 60 monthsJumbo IRA Certificate. Dividends compounded and credited monthly. Early withdrawal penalty of 180 days interest | — | 0.60% | —0.60% from $250k | — |
Youth Club Certificate
0.15%APY · 1 term
Additional deposits allowed. Early withdrawal penalty of 120 days interest. Automatic renewal with 10-day grace period. Cannot be pledged as security for a loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEffective date 10/05/2026 | 0.15% | $15 |
Who can join PrimeWay 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
- Membership is open to individuals who live, work, worship, or attend school in Houston, Washington, Fort Bend, or Harris County.
Employers and groups
- Membership is open to employees of PrimeWay partner companies/employers.
Family and household
- Family members (spouse, children, grandchildren, parents, grandparents, or siblings) of an established member are eligible to join.
Cost to join
- A $5 initial deposit in a savings account is required to establish membership.
Membership information collected October 5, 2026.