Credit union · NCUA insured
Texans Credit Union CD Rates
Texans Credit Union’s best CD rate is 3.70% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Texans Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Texans Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texans Credit Union
3.50%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $86
Certificate Account
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
Texans Credit Union CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Texans 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 Account
3.50%APY · 8 terms
Membership Required. Daily balance method used to calculate interest. Interest compounded and credited monthly. Paid rate disclosed for entire term. Automatically renews with 10 calendar days grace period. If balance on a $100,000 or more Certificate Account falls below minimum balance requirements, automatically renews at applicable APY for same term. Early withdrawal penalties may apply.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsNot available for IRA or CESA | 3.50% | 3.70% | 3.50%3.70% from $100k | $86 |
| 6 monthsNot available for CESA | 3.50% | 3.70% | 3.50%3.70% from $100k | $173 |
| 12 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $350 |
| 18 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $530 |
| 24 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $712 |
| 36 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,087 |
| 48 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,475 |
| 60 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,877 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
3.50%APY · 7 terms
Membership Required. Available as Traditional IRA (tax-deferred) or Roth IRA (tax-free growth). Daily balance method used to calculate interest. Interest compounded and credited monthly. Paid rate disclosed for entire term. Automatically renews with 10 calendar days grace period. Early withdrawal penalties and/or tax penalties may apply.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsNot available for CESA | 3.50% | 3.70% | 3.50%3.70% from $100k | $173 |
| 12 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $350 |
| 18 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $530 |
| 24 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $712 |
| 36 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,087 |
| 48 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,475 |
| 60 months | 3.50% | 3.70% | 3.50%3.70% from $100k | $1,877 |
Sources (2)
All captured Sep 17, 2026
Who can join Texans Credit Union
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