Credit union · NCUA insured
TAP FCU CD Rates
TAP FCU’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How TAP FCU’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where TAP FCU has the most branches. $10,000, best rate first.
This credit union’s best
TAP FCU
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Share Certificate
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
TAP FCU CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- QualifiedQualified3.75%
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 TAP FCU 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 3.75%APY · 3 terms
Dividends compound monthly. Early withdrawal penalties apply based on term length. Certificates do not renew automatically; at maturity, balances transfer automatically to share savings unless renewal instructions are received. Requires TAP FCU membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly on the first day of each month | 3.00% | $149 |
| 12 monthsDividends paid monthly on the first day of each month | 3.75% | $375 |
| 24 monthsDividends paid monthly on the first day of each month | 3.50% | $712 |
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 2 terms
Available for Traditional IRA, Roth IRA, and SEP Plan. Minimum IRA – Roth IRA certificate amount is $1,000 per page 15. Early withdrawal penalties apply based on term length. Certificates do not renew automatically; balances transfer to share savings at maturity if renewal instructions are not received. Requires TAP FCU membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly on the first day of each month | 3.50% | $350 |
| 24 monthsDividends paid monthly on the first day of each month | 3.40% | $692 |
Who can join TAP FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is extended to employees of qualifying members.
- Membership is available to REALTORS®, Builders, Independent Insurance Agents, and all members of such organizations.
Family and household
- Membership is extended to immediate family members (grandparents, parents, husbands, wives, children, grandchildren, brothers, and sisters) of members.
Membership information collected October 5, 2026.