Credit union · NCUA insured
Red River Credit Union CD Rates
Top CarrotRed River Credit Union’s best CD rate is 4.33% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Red River Credit Union’s CD rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Red River Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Red River Credit Union
4.33%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $214
Share Certificates
Top rate
Texana Bank
4.50%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $566
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- $403
Red River Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.33%
- 16–30 months16–30 mo4.33%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.33%
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 Red River 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.
Share Certificates
Up to 4.33%APY · 7 terms
Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited/compounded monthly | 4.33% | $214 |
| 6 monthsDividends credited/compounded quarterly | 4.32% | $214 |
| 12 monthsDividends credited/compounded monthly | 4.33% | $433 |
| 12 monthsDividends credited/compounded quarterly | 4.32% | $432 |
| 18 monthsDividends credited/compounded monthly | 4.33% | $656 |
| 24 monthsDividends credited/compounded monthly | 4.33% | $885 |
| 24 monthsDividends credited/compounded quarterly | 4.32% | $883 |
| 36 monthsDividends credited/compounded monthly | 3.82% | $1,190 |
| 36 monthsDividends credited/compounded quarterly | 3.80% | $1,184 |
| 48 monthsDividends credited/compounded monthly | 3.82% | $1,618 |
| 48 monthsDividends credited/compounded quarterly | 3.80% | $1,609 |
| 60 monthsDividends credited/compounded monthly | 3.82% | $2,062 |
| 60 monthsDividends credited/compounded quarterly | 3.80% | $2,050 |
Sources (1)
- rrcu.com/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.33%APY · 6 terms
Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends credited/compounded monthly | 4.33% | $433 |
| 12 monthsDividends credited/compounded quarterly | 4.32% | $432 |
| 18 monthsDividends credited/compounded monthly | 4.33% | $656 |
| 24 monthsDividends credited/compounded monthly | 4.33% | $885 |
| 24 monthsDividends credited/compounded quarterly | 4.32% | $883 |
| 36 monthsDividends credited/compounded monthly | 3.82% | $1,190 |
| 36 monthsDividends credited/compounded quarterly | 3.80% | $1,184 |
| 48 monthsDividends credited/compounded monthly | 3.82% | $1,618 |
| 48 monthsDividends credited/compounded quarterly | 3.80% | $1,609 |
| 60 monthsDividends credited/compounded monthly | 3.82% | $2,062 |
| 60 monthsDividends credited/compounded quarterly | 3.80% | $2,050 |
Sources (1)
- rrcu.com/certificates · captured Oct 16, 2026
TEAL Certificate (Age 13-17)
4.33%APY · 1 term
For ages 13-17. Monthly compounding. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited/compounded monthly. Age 13-17 | 4.33% | $214 |
Sources (1)
- rrcu.com/certificates · captured Oct 16, 2026
Who can join Red River Credit Union
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