Credit union · NCUA insured
Southwest Airlines Federal Credit Union CD Rates
Top CarrotSouthwest Airlines Federal Credit Union’s best CD rate is 3.75% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked September 25, 2026.
How Southwest Airlines Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Southwest Airlines Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Airlines Federal Credit Union
3.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,475
Term Share Certificates (Regular)
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
Southwest Airlines Federal Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Southwest Airlines 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.
Term Share Certificates (Jumbo)
Up to 3.75%APY · 5 terms
Penalties may apply for early withdrawal. Minimum of $75,000 to open. Dividends compounded/paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | — |
| 12 months | 3.25% | — |
| 24 months | 3.25% | — |
| 36 months | 3.50% | — |
| 48 months | 3.75% | — |
Sources (2)
All captured Sep 25, 2026
Term Share Certificates (Regular)
Up to 3.50%APY · 5 terms
Penalties may apply for early withdrawal. Minimum of $1,000 to open. Dividends compounded/paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 3.00% | $300 |
| 24 months | 3.00% | $609 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.50% | $1,475 |
Sources (3)
- swacu.org
- swacu.org/manage/helpful-tools/rates.html
- swacu.org/save/personal-saving…m-share-certificate.html
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificates (Jumbo)
Up to 3.75%APY · 5 terms
Available for Traditional, Roth, and Coverdell ESA IRAs. No initial setup, monthly, or annual maintenance fees. Penalties may apply for early withdrawal. Minimum of $75,000 to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | — |
| 12 months | 3.25% | — |
| 24 months | 3.25% | — |
| 36 months | 3.50% | — |
| 48 months | 3.75% | — |
Sources (2)
All captured Sep 25, 2026
IRA Certificates (Regular)
Up to 3.50%APY · 5 terms
Available for Traditional, Roth, and Coverdell ESA IRAs. No initial setup, monthly, or annual maintenance fees. Penalties may apply for early withdrawal. Minimum of $1,000 to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 3.00% | $300 |
| 24 months | 3.00% | $609 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.50% | $1,475 |
Sources (2)
All captured Sep 25, 2026
Who can join Southwest Airlines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility through employment or membership in one of over 200 Select Employee Groups (SEGs) in the Field of Membership.
Family and household
- Eligibility for immediate family (spouses, brothers/sisters, parents, grandparents, children, and grandchildren) and household members.
Cost to join
- Maintain a Membership Savings Account open with a minimum balance of $5 to retain membership.
Membership information collected October 5, 2026.