Credit union · NCUA insured
Southwest Heritage Credit Union CD Rates
Southwest Heritage Credit Union’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Southwest Heritage Credit Union’s CD rates compare
Compared with banks and credit unions near Odessa, TX, where Southwest Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Heritage Credit Union
3.82%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $189
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Southwest Heritage Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.56%
- 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 Southwest Heritage 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.
Certificates of Deposit
Up to 3.82%APY · 5 terms
Fixed term and fixed rate. Interest is paid monthly by check, deposited to a share account, or added to balance of certificate. Early withdrawal penalty is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Rate can be increased based on services you already have (membership tenure > 3 years +0.05%, e-statements +0.05%, active loan +0.05%).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest paid monthly | 3.82% | $189 |
| 12 monthsInterest paid monthly | 3.82% | $382 |
| 24 monthsInterest paid monthly | 3.56% | $725 |
| 36 monthsInterest paid monthly | 3.56% | $1,106 |
| 60 monthsInterest paid monthly | 3.56% | $1,911 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.82%APY · 5 terms
IRA certificates (Traditional & Roth) are offered with the same terms and conditions as all other certificates of deposit. Interest is paid monthly by check, deposited to a share account, or added to balance of certificate. Additional rewards available on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional & Roth; Interest paid monthly | 3.82% | $189 |
| 12 monthsTraditional & Roth; Interest paid monthly | 3.82% | $382 |
| 24 monthsTraditional & Roth; Interest paid monthly | 3.56% | $725 |
| 36 monthsTraditional & Roth; Interest paid monthly | 3.56% | $1,106 |
| 60 monthsTraditional & Roth; Interest paid monthly | 3.56% | $1,911 |
Who can join Southwest Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Ector, Midland, Andrews, Crane, Ward, or Winkler Counties qualify for membership.
Family and household
- Immediate family members of current Southwest Heritage Credit Union members are eligible for membership.
Cost to join
- A minimum $25.00 deposit in a regular share account is required to maintain membership.
Membership information collected October 5, 2026.