Credit union · NCUA insured
Resource One Credit Union CD Rates
Resource One Credit Union’s best CD rate is 3.82% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Resource One Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Resource One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Resource One Credit Union
3.82%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,062
Regular Certificates
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Resource One Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Resource One 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.
Regular Certificates
Up to 3.82%APY · 7 terms
Automatically renews at the term selected and the rate at the time of renewal. Additional deposits cannot be made during the term. Penalty for early withdrawal prior to maturity date. Membership eligibility applies (lives or works in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, TX).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 1.51% | $38 |
| 6 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 2.27% | $113 |
| 12 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 2.78% | $278 |
| 24 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 3.40% | $692 |
| 36 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 3.66% | $1,139 |
| 48 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 3.71% | $1,569 |
| 60 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 3.82% | $2,062 |
Save to Win® Certificate
2.68%APY · 1 term
Must be a legal resident of Texas or participating state, 18 years or older, and have a membership in good standing. Automatically renews at the term selected and rate at renewal. Can add additional funds during the term. Enter monthly/quarterly prize drawing for every $25 month-over-month balance increase. Account must be open through month-end for drawings. One withdrawal allowed per 12-month term for a $25 fee; additional withdrawals cause account closure and forfeiture of prize entries.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date | 2.68% | $268 |
Sources (1)
- r1cu.org/accounts/cds-iras · captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 7 terms
Automatically renews at the term selected and rate at renewal. Penalty for early withdrawal prior to maturity date. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 1.76% | $44 |
| 6 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 2.53% | $126 |
| 12 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 3.04% | $304 |
| 24 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 3.66% | $745 |
| 36 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 3.92% | $1,223 |
| 48 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 3.97% | $1,685 |
| 60 monthsDividends paid monthly. Penalty will or may be imposed for early withdrawal of funds prior to maturity date | 4.07% | $2,208 |
Who can join Resource One 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 anyone who resides or is employed in Dallas County.
Employers and groups
- Membership is open to employees and associate members of select companies and organizations (Select Employee Groups / SEGs).
Family and household
- Membership is open to individuals who have a family member who is a current member of Resource One Credit Union.
Cost to join
- An initial membership (share) deposit of $25 is required to open a personal savings account and establish membership.
Membership information collected October 5, 2026.