Credit union · NCUA insured
Texas Tech Credit Union CD Rates
Top CarrotTexas Tech Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Texas Tech Credit Union’s CD rates compare
Compared with banks and credit unions near Lubbock, TX, where Texas Tech Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texas Tech Credit Union
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Regular Certificates
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
Texas Tech Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.00%
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 Texas Tech 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.
Regular Certificates
Up to 4.00%APY · 7 terms
Fixed rate. Rates subject to change based on account balance criteria. Fees may reduce earnings. A penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 4.00% | $400 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Who can join Texas Tech Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the American Consumer Council at no additional cost to qualify for membership.
Military, government and schools
- Employees and retirees of specified school districts and Lubbock Christian University are eligible for membership.
- Students, employees, retirees, and alumni of Texas Tech University and Texas Tech Health Sciences Center are eligible for membership.
Family and household
- Immediate family members of individuals who qualify through education affiliations or who are current members of Texas Tech Credit Union are eligible for membership.
- Relatives of a current member are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.