Credit union · NCUA insured
Priority Trust Credit Union CD Rates
Priority Trust Credit Union’s best CD rate is 3.30% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Priority Trust Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Priority Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Priority Trust Credit Union
3.30%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $164
Certificates of Deposit Accounts
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
Priority Trust Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.10%
- 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 Priority Trust 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.
7-Month Certificate
4.15%APY · 1 term
Promotion ended on February 28, 2026. Member must bring in new funds from an external financial institution not on deposit with PTCU within the last 60 days. Minimum deposit $1,000. Maximum deposit $50,000 per certificate. Members may open up to 3 promotional certificates. Certificate automatically renews at 12 months at the current interest rate at renewal. Early withdrawal penalty: 180 days of interest. Fees may reduce earnings. Promotional rate only applicable for initial term; footnote on rates schedule indicates after initial promotional period, renews for 6 months at standard rate (promo page says rolls into 12 months). Promotional rates do not apply to IRA CDs.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsTier $1,000 - $9,999. Valid through February 28, 2026. New funds not on deposit with PTCU within last 60 days | 4.05% | — | —4.05% $1k–$10k | — |
| 7 monthsTier $10,000 - $50,000. Valid through February 28, 2026. New funds not on deposit with PTCU within last 60 days | — | 4.15% | 4.15% | $240 |
Sources (2)
All captured Sep 19, 2026
13-Month Certificate
4.00%APY · 1 term
Promotion valid through September 30, 2026 but may end at any time at the credit union's discretion. Member must bring in funds not currently held at Priority Trust Credit Union; funds cannot have been on deposit with PTCU within the last 60 days. Minimum deposit $1,000. Maximum deposit $75,000 per certificate. Members may open up to 3 promotional certificates, for a combined maximum of $225,000. Interest compounded monthly. Certificate automatically renews at 12 months at the current interest rate at time of renewal. Early withdrawal penalty: 270 days of interest. Fees may reduce earnings.
| Term | APY · $1,000 – $20,000 | APY · $20,000 – $75,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 13 monthsDeposits from $1,000 to $20,000. New funds not held at PTCU within the last 60 days | 4.00% | — | 4.00% | $434 |
| 13 monthsDeposits from $20,000.01 to $75,000. New funds not held at PTCU within the last 60 days | — | 4.10% | —4.10% $20k–$75k | — |
Sources (1)
- prioritytrustcu.org/our-13-month-cd-pays-up-to-4-10-apy · captured Oct 16, 2026
Certificates of Deposit Accounts
Up to 3.30%APY · 7 terms
Interest is compounded and credited monthly. Minimum amount to open a Certificate is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or maturity date to be paid accrued dividends. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.25% | $325 |
| 18 months | 3.20% | $484 |
| 24 months | 3.20% | $650 |
| 36 months | 3.10% | $959 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 16, 2026
Special-purpose accounts
IRA CDs
Up to 3.25%APY · 5 terms
IRA CDs are only available in 12, 24, 36, 48, and 60-month terms. Promotional rates do not apply for IRA CDs. Interest is compounded and credited monthly. Minimum amount to open is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.25% | $325 |
| 24 months | 3.20% | $650 |
| 36 months | 3.10% | $959 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- prioritytrustcu.org/about-us/rates · captured Oct 16, 2026
Who can join Priority Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships within the Greater Houston Area, Harris County, and all adjacent counties is eligible for membership.
Military, government and schools
- Present and former employees affiliated with US Postal Service, City of Houston Municipal Employees, or Harris Health Systems are eligible for membership.
Family and household
- Immediate family members of eligible affiliated or geographic community members are eligible for membership.
Cost to join
- Opening membership requires a $5 savings deposit.
Membership information collected October 5, 2026.