Credit union · NCUA insured
Southern Star CU CD Rates
Southern Star CU’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Southern Star CU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Southern Star CU has the most branches. $10,000, best rate first.
This credit union’s best
Southern Star CU
3.82%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $382
Regular Shares
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 Star CU CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.30%
- 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 Southern Star CU 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 Shares
Up to 3.82%APY · 4 terms
Withdrawals prior to maturity will incur a penalty. Deposit terms range from 6 months to 36 months.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.25% | 3.25% | 3.25%3.25% from $100k | $161 |
| 12 months | 3.82% | 3.82% | 3.82%3.82% from $100k | $382 |
| 24 months | 3.25% | 3.25% | 3.25%3.25% from $100k | $661 |
| 36 months | 3.30% | 3.30% | 3.30%3.30% from $100k | $1,023 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Shares
Up to 3.82%APY · 3 terms
Deposit terms range from 12 months to 36 months for IRAs. 6-month term is not available (N/A). Withdrawals prior to maturity will incur a penalty.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.82% | 3.82% | 3.82%3.82% from $100k | $382 |
| 24 months | 3.25% | 3.25% | 3.25%3.25% from $100k | $661 |
| 36 months | 3.30% | 3.30% | 3.30%3.30% from $100k | $1,023 |
Sources (2)
All captured Sep 17, 2026
Who can join Southern Star CU
This may be incomplete or out of date, so check with the credit union before you apply.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 within a 10-mile radius of the credit union office at 16035 W Little York Rd, Houston, TX 77084 are eligible for membership.
Employers and groups
- Employees and affiliated persons of Baker Hughes, Inc. A Division of GE are eligible for membership.
- Employees and affiliated persons of Dresser / Halliburton merged company, its subsidiaries, joint venture companies, and successors thereof are eligible for membership.
- Employees and affiliated persons of Dresser Natural Gas Solutions are eligible for membership.
- Employees and affiliated persons of M-I LLC. / Smith International Inc. are eligible for membership.
Family and household
- Family members of all credit union members are eligible for membership.
Membership information collected October 5, 2026.