Credit union · NCUA insured
TDECU CD Rates
TDECU’s best CD rate is 3.95% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 6, 2026.
How TDECU’s CD rates compare
Compared with banks and credit unions near Houston, TX, where TDECU has the most branches. $10,000, best rate first.
This credit union’s best
TDECU
3.95%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,137
Standard CDs
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
TDECU CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.95%
- 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 TDECU 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.
Standard CDs
Up to 3.95%APY · 9 terms
Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 1.75% | $43 |
| 6 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.60% | $178 |
| 12 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.75% | $375 |
| 18 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.65% | $552 |
| 24 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.45% | $702 |
| 30 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 2.25% | $572 |
| 36 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.60% | $1,119 |
| 48 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.70% | $1,564 |
| 60 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.95% | $2,137 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Elements CDs
Up to 3.95%APY · 9 terms
Certificate of Deposit designed for teens ages 13 to 17 who want a low-risk, higher yield savings account. $100.00 opening deposit. 3 to 60 month terms. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.75% | $43 |
| 6 months | 3.60% | $178 |
| 12 months | 3.69% | $369 |
| 18 months | 3.65% | $552 |
| 24 months | 3.45% | $702 |
| 30 months | 2.25% | $572 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.95% | $2,137 |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
IRA CDs
Up to 3.95%APY · 9 terms
$1,000 minimum opening deposit. Offers tax-advantaged retirement savings (Traditional and Roth IRA). NCUA insured up to $250,000. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 1.75% | $43 |
| 6 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.60% | $178 |
| 12 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.75% | $375 |
| 18 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.65% | $552 |
| 24 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.45% | $702 |
| 30 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 2.25% | $572 |
| 36 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.60% | $1,119 |
| 48 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.70% | $1,564 |
| 60 monthsBase Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%). $0 monthly fee | 3.95% | $2,137 |
Sources (3)
- tdecu.org/rates
- tdecu.org/savings-and-checking/cd-share-certificates
- tdecu.org/savings-and-checking/ira
All captured Oct 6, 2026
Kids Club CDs
Up to 3.95%APY · 9 terms
Certificate of Deposit designed for kids ages 4 to 12. $100.00 opening deposit. 3 to 60 month terms. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.75% | $43 |
| 6 months | 3.60% | $178 |
| 12 months | 3.75% | $375 |
| 18 months | 3.65% | $552 |
| 24 months | 3.45% | $702 |
| 30 months | 2.25% | $572 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.95% | $2,137 |
Sources (1)
- tdecu.org/rates · captured Oct 6, 2026
Kids Club and Teens CDs
Up to 3.95%APY · 9 terms
Designed for kids ages 4-12 and teens ages 13-18 (or 13-17). $100.00 opening deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 1.75% | $43 |
| 6 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.60% | $178 |
| 12 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.75% | $375 |
| 18 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.65% | $552 |
| 24 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.45% | $702 |
| 30 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 2.25% | $572 |
| 36 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.60% | $1,119 |
| 48 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.70% | $1,564 |
| 60 monthsBase Rate for opening deposit $100.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%) | 3.95% | $2,137 |
Sources (2)
All captured Oct 6, 2026
Who can join TDECU
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, worship, or attend school in Greater Houston, Victoria, Dallas-Fort Worth, or Gulf Coast are automatically eligible for membership.
- Individuals who live within 10 miles of a TDECU Member Center are eligible for membership.
Employers and groups
- Texas residents who currently work for, are retired from, or are immediate family members of an employee of a company served by TDECU are eligible for membership.
- Texas residents who are members of an organization served by TDECU are eligible for membership.
Family and household
- Individuals who are Texas residents and are immediate family members of or live in the same household as a current TDECU Member are eligible for membership.
Other ways
- Texas residents are eligible for TDECU membership by agreeing to join the Texas Consumer Council (TXCC) for free during the application process.
Membership information collected October 5, 2026.