Credit union · NCUA insured
Raiz CD Rates
Raiz’s best CD rate is 4.44% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Raiz’s CD rates compare
Compared with banks and credit unions near El Paso, TX, where Raiz has the most branches. $10,000, best rate first.
This credit union’s best
Raiz
4.44%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $25
- Earns on $10,000
- $444
Regular Share Certificate
2nd-highest rate
GECU
4.44%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $444
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Raiz CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 9–15 months9–15 mo4.44%
- 16–30 months16–30 mo4.33%
- 31–60 months31–60 mo3.51%
- QualifiedQualified4.44%
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 Raiz 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 Share Certificate
Up to 4.44%APY · 7 terms
No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies if principal is withdrawn before maturity | 3.14% | $78 |
| 6 monthsEarly withdrawal penalty applies if principal is withdrawn before maturity | 3.87% | $192 |
| 12 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 4.44% | $444 |
| 24 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 4.33% | $885 |
| 36 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.40% | $1,055 |
| 48 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.35% | $1,409 |
| 60 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.56% | $1,911 |
Sources (2)
All captured Oct 17, 2026
Regular Share Certificate
Up to 4.44%APY · 5 terms
No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 4.44% | $444 |
| 24 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 4.33% | $885 |
| 36 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.30% | $1,023 |
| 48 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.25% | $1,365 |
| 60 monthsTwelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity | 3.51% | $1,883 |
Sources (2)
All captured Oct 17, 2026
Who can join Raiz
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, or worship in El Paso County.
Employers and groups
- Membership is open to Lifetime Members of the Underserved Communities Foundation.
Family and household
- Membership is open to family members of Raiz members.
Cost to join
- An initial deposit of $5 is required to open a Share Savings Account / new Raiz account.
Membership information collected October 5, 2026.