Credit union · NCUA insured
Southwest Financial Federal Credit Union CD Rates
Top CarrotSouthwest Financial Federal Credit Union’s best CD rate is 3.51% APY on a 1-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How Southwest Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Southwest Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Financial Federal Credit Union
3.35%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $335
Share Certificates
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 Financial Federal Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo2.85%
- 31–60 months31–60 mo2.36%
- QualifiedQualified3.35%
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 Financial 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 Certificates
Up to 3.35%APY · 3 terms
Minimum $500 deposit. Terms range from 12 to 36 months. Opportunity to reinvest dividends in renewed Share Certificate. Withdrawals are permitted with a penalty of 180 days of dividends (earned or unearned) which may reduce principal earnings.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsPenalty of 180 days of dividends (earned or unearned) for early withdrawal | 3.35% | 3.40% | 3.45% | 3.51% | 3.35%3.40% from $25k3.45% from $50k3.51% from $100k | $335 |
| 24 monthsPenalty of 180 days of dividends (earned or unearned) for early withdrawal | 2.85% | 2.90% | 2.95% | 3.00% | 2.85%2.90% from $25k2.95% from $50k3.00% from $100k | $578 |
| 36 monthsPenalty of 180 days of dividends (earned or unearned) for early withdrawal | 2.36% | 2.40% | 2.45% | 2.50% | 2.36%2.40% from $25k2.45% from $50k2.50% from $100k | $725 |
Special-purpose accounts
IRA Certificate
Up to 3.35%APY · 3 terms
Traditional and Roth IRA Certificate options available to speed up retirement savings.
| Term | APY · $500 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.35% | 3.40% | 3.45% | 3.51% | 3.35%3.40% from $25k3.45% from $50k3.51% from $100k | $335 |
| 24 months | 2.85% | 2.90% | 2.95% | 3.00% | 2.85%2.90% from $25k2.95% from $50k3.00% from $100k | $578 |
| 36 months | 2.36% | 2.40% | 2.45% | 2.50% | 2.36%2.40% from $25k2.45% from $50k2.50% from $100k | $725 |
Who can join Southwest Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of an affiliated company.
Family and household
- Membership is open to immediate family members of an employee of an affiliated company or of a current member.
Cost to join
- Opening a savings account requires a $25 deposit.
Membership information collected October 5, 2026.