Credit union · NCUA insured
Star of Texas Credit Union CD Rates
Star of Texas Credit Union’s best CD rate is 4.05% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Star of Texas Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Star of Texas Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Star of Texas Credit Union
3.95%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $806
Certificate of Deposit
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Star of Texas Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.95%
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 Star of Texas 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.
Certificate of Deposit
Up to 3.95%APY · 9 terms
Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.00% | 3.00% | —3.00% $50k–$100k3.00% from $100k | — |
| 3 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.00% | — | — | 3.00% | $74 |
| 6 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.65% | 3.65% | —3.65% $50k–$100k3.65% from $100k | — |
| 6 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.65% | — | — | 3.65% | $181 |
| 9 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.65% | 3.65% | —3.65% $50k–$100k3.65% from $100k | — |
| 9 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.65% | — | — | 3.65% | $273 |
| 12 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.75% | 3.85% | —3.75% $50k–$100k3.85% from $100k | — |
| 12 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.70% | — | — | 3.70% | $370 |
| 18 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.85% | 3.95% | —3.85% $50k–$100k3.95% from $100k | — |
| 18 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.75% | — | — | 3.75% | $568 |
| 24 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 4.05% | 4.05% | —4.05% $50k–$100k4.05% from $100k | — |
| 24 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.95% | — | — | 3.95% | $806 |
| 36 months36 month Special Rate. Limited Time Offering. Rates apply to new and existing money offerings. Early withdrawal penalties apply if surrendered prior to term maturity | — | 3.85% | 3.85% | —3.85% $50k–$100k3.85% from $100k | — |
| 36 months36 month Special Rate. Limited Time Offering. Rates apply to new and existing money offerings. Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.85% | — | — | 3.85% | $1,200 |
| 48 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.80% | 3.80% | —3.80% $50k–$100k3.80% from $100k | — |
| 48 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.80% | — | — | 3.80% | $1,609 |
| 60 monthsEarly withdrawal penalties apply if surrendered prior to term maturity | — | 3.75% | 3.75% | —3.75% $50k–$100k3.75% from $100k | — |
| 60 monthsMinimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity | 3.75% | — | — | 3.75% | $2,021 |
Who can join Star of Texas Credit Union
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 Travis County are eligible for membership.
Military, government and schools
- Employees of the Texas Workforce Commission are eligible for membership.
Family and household
- Individuals who have a family member with an account at Star of Texas Credit Union are eligible for membership.
Cost to join
- Membership requires opening a Savings Account with a minimum balance of $10.
Membership information collected October 5, 2026.