Credit union · NCUA insured
Rio Grande Valley Credit Union CD Rates
Top CarrotRio Grande Valley Credit Union’s best CD rate is 4.07% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Rio Grande Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Brownsville, TX, where Rio Grande Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rio Grande Valley Credit Union
4.07%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $201
Certificates of Deposit (CDs)
Top rate
Bank of South Texas
4.44%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $220
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Rio Grande Valley Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.07%
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 Rio Grande Valley 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.
Certificates of Deposit (CDs)
Up to 4.07%APY · 4 terms
Calculated by using Simple Daily Interest. Early withdrawal penalty will apply if terms of certificate are changed before the maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date | 4.07% | $201 |
| 12 months$1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date | 3.82% | $382 |
| 24 months$1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date | 3.56% | $725 |
| 36 months$1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date | 3.30% | $1,023 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.82%APY · 3 terms
Offers Traditional and Roth IRAs. Early withdrawal penalty may apply for withdrawals before age 59-1/2. $10.00 annual fee and a $5.00 closure fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$10.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply for withdrawals before age 59-1/2 | 3.82% | $382 |
| 24 months$10.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply for withdrawals before age 59-1/2 | 3.56% | $725 |
| 36 months$10.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply for withdrawals before age 59-1/2 | 3.30% | $1,023 |
Who can join Rio Grande Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, attends school or worships within a 10-mile radius of any credit union branch office in Harlingen, San Benito, or Rio Hondo is eligible for membership.
- Any person who lives, works, attends school or worships in Willacy County is eligible for membership.
Cost to join
- A minimum deposit of $25.00 in a savings account is required to establish and maintain membership.
- A one-time processing fee of $5.00 is required to become a member.
Membership information collected October 5, 2026.