Credit union · NCUA insured
Rave Financial CD Rates
Top CarrotRave Financial’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Rave Financial’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where Rave Financial has the most branches. $10,000, best rate first.
This credit union’s best
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Share Certificate
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Rave Financial CD score
91
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- 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 Rave Financial 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 Certificate
Up to 4.25%APY · 8 terms
Dividends paid monthly. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly | 2.50% | $62 |
| 6 monthsDividends paid monthly | 4.25% | $210 |
| 12 monthsDividends paid monthly | 4.25% | $425 |
| 18 monthsDividends paid monthly | 3.50% | $530 |
| 24 monthsDividends paid monthly | 3.50% | $712 |
| 36 monthsDividends paid monthly | 3.50% | $1,087 |
| 48 monthsDividends paid monthly | 3.50% | $1,475 |
| 60 monthsDividends paid monthly | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 8 terms
Dividends paid monthly. Dividends can be compounded or transferred to a different credit union account (age requirements apply for IRA dividend disbursal). Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly | 2.50% | $62 |
| 6 monthsDividends paid monthly | 4.25% | $210 |
| 12 monthsDividends paid monthly | 4.25% | $425 |
| 18 monthsDividends paid monthly | 3.50% | $530 |
| 24 monthsDividends paid monthly | 3.50% | $712 |
| 36 monthsDividends paid monthly | 3.50% | $1,087 |
| 48 monthsDividends paid monthly | 3.50% | $1,475 |
| 60 monthsDividends paid monthly | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Minor Share Certificate
4.25%APY · 1 term
Dividends paid monthly. For minors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly | 4.25% | $210 |
Sources (1)
- bankwithrave.com/current-rates · captured Oct 6, 2026
Who can join Rave Financial
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, or attend school in Jefferson, Chambers, Hardin, Jasper, Liberty, Newton, Orange, Tyler, Galveston, Harris, Montgomery, San Jacinto, Polk, Angelina, San Augustine, or Sabine County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Open a savings account and maintain a balance of $5.
Membership information collected October 5, 2026.