Credit union · NCUA insured
Southern FCU CD Rates
Southern FCU’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Southern FCU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Southern FCU has the most branches. $10,000, best rate first.
This credit union’s best
Southern FCU
4.15%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $415
Certificates of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Southern FCU CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.15%
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 Southern FCU 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
Up to 4.15%APY · 5 terms
Minimum opening balance is $1,000.00. Early withdrawal penalty may apply. Dividends paid monthly. Interest compounds monthly.
| Term | APY · Up to $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsOver $75,000 in Total Shares - Platinum Bump Up | — | 4.15% | —4.15% from $75k | — |
| 6 monthsUnder $75,000 in Total Shares | 4.05% | — | 4.05% | $200 |
| 12 monthsOver $75,000 in Total Shares - Platinum Bump Up | — | 4.25% | —4.25% from $75k | — |
| 12 monthsUnder $75,000 in Total Shares | 4.15% | — | 4.15% | $415 |
| 18 monthsOver $75,000 in Total Shares - Platinum Bump Up | — | 4.25% | —4.25% from $75k | — |
| 18 monthsUnder $75,000 in Total Shares | 4.15% | — | 4.15% | $629 |
| 24 monthsOver $75,000 in Total Shares - Platinum Bump Up | — | 4.20% | —4.20% from $75k | — |
| 24 monthsUnder $75,000 in Total Shares | 4.10% | — | 4.10% | $837 |
| 36 monthsOver $75,000 in Total Shares - Platinum Bump Up | — | 3.86% | —3.86% from $75k | — |
| 36 monthsUnder $75,000 in Total Shares | 3.75% | — | 3.75% | $1,168 |
Sources (2)
All captured Sep 17, 2026
Who can join Southern FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.