Credit union · NCUA insured
Southland Federal Credit Union CD Rates
Southland Federal Credit Union’s best CD rate is 3.22% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Southland Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lufkin, TX, where Southland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southland Federal Credit Union
3.22%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $1,716
Share Certificate
Top rate
East Texas Professional Credit Union
4.25%APY
- Term
- 23 months
- Minimum
- $1,000
- Earns on $10,000
- $830
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Southland Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.96%
- 9–15 months9–15 mo3.01%
- 16–30 months16–30 mo3.06%
- 31–60 months31–60 mo3.22%
- QualifiedQualified3.22%
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 Southland Federal 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 Certificate
Up to 3.22%APY · 6 terms
All certificates are compounded and paid monthly. Early withdrawal penalty may be imposed. Membership with a regular share (savings) account required.
| Term | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsShort Term. Starting at $10,000+. Earn up to 0.50% more over standard Share Certificate Rates | — | 2.96% | 2.96% | $147 |
| 6 monthsShort Term. Starting at $5,000. Earn up to 0.50% more over standard Share Certificate Rates | 2.51% | — | 2.51% | $125 |
| 12 monthsShort Term. Starting at $10,000+. Earn up to 0.50% more over standard Share Certificate Rates | — | 3.01% | 3.01% | $301 |
| 12 monthsShort Term. Starting at $5,000. Earn up to 0.50% more over standard Share Certificate Rates | 2.56% | — | 2.56% | $256 |
| 24 monthsShort Term. Starting at $10,000+. Earn up to 0.50% more over standard Share Certificate Rates | — | 3.06% | 3.06% | $621 |
| 24 monthsShort Term. Starting at $5,000. Earn up to 0.50% more over standard Share Certificate Rates | 2.61% | — | 2.61% | $528 |
| 36 monthsLong Term. Starting at $10,000+ | — | 3.11% | 3.11% | $962 |
| 36 monthsLong Term. Starting at $5,000 | 2.66% | — | 2.66% | $818 |
| 48 monthsLong Term. Starting at $10,000+ | — | 3.16% | 3.16% | $1,327 |
| 48 monthsLong Term. Starting at $5,000 | 2.71% | — | 2.71% | $1,128 |
| 60 monthsLong Term. Starting at $10,000+ | — | 3.22% | 3.22% | $1,716 |
| 60 monthsLong Term. Starting at $5,000 | 2.76% | — | 2.76% | $1,458 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.78%APY · 3 terms
Must be a member and have a basic savings account to open the basic IRA account ($100.00 minimum in basic IRA to earn dividend). The minimum to invest in an IRA Certificate is $25,000 with a maximum term of 36 months. All certificates are compounded and paid monthly. Early withdrawal penalty may be imposed.
| Term | APY · $25,000 and up | APY · $75,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsStarting at $100,000 tier | — | — | 3.37% | —3.37% from $100k | — |
| 12 monthsStarting at $25,000 tier | 3.21% | — | — | —3.21% from $25k | — |
| 12 monthsStarting at $75,000 tier | — | 3.27% | — | —3.27% from $75k | — |
| 24 monthsStarting at $100,000 tier | — | — | 3.47% | —3.47% from $100k | — |
| 24 monthsStarting at $25,000 tier | 3.37% | — | — | —3.37% from $25k | — |
| 24 monthsStarting at $75,000 tier | — | 3.42% | — | —3.42% from $75k | — |
| 36 monthsStarting at $100,000 tier | — | — | 3.78% | —3.78% from $100k | — |
| 36 monthsStarting at $25,000 tier | 3.52% | — | — | —3.52% from $25k | — |
| 36 monthsStarting at $75,000 tier | — | 3.67% | — | —3.67% from $75k | — |
Sources (2)
All captured Sep 17, 2026
Who can join Southland Federal 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 lives, works, or worships in Angelina, Houston, or Trinity Counties.
Membership information collected October 5, 2026.