Credit union · NCUA insured
Texas Trust Credit Union CD Rates
Top CarrotTexas Trust Credit Union’s best CD rate is 4.40% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Texas Trust Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Texas Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texas Trust Credit Union
4.40%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $553
Featured Promo CD
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
Texas Trust Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.40%
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 Trust 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.
Featured Promo CD
Up to 4.40%APY · 6 terms
Membership required. Must maintain a primary share account with a $5 balance. 50% of the balance must be new money deposited to the credit union within the last 30 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate | 4.15% | $240 |
| 13 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate | 4.25% | $461 |
| 15 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate | 4.40% | $553 |
| 19 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 1-year term and rate | 4.35% | $697 |
| 25 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 24-month term and rate | 4.30% | $917 |
| 30 months50% of the balance must be new money deposited to the credit union within the last 30 days. At maturity, renews at the current 24-month term and rate | 4.30% | $1,110 |
Sources (11)
- texastrustcu.org/about/current-rates/current-cd-rates
- texastrustcu.org/personal/savings-cds/cds
- texastrustcu.org/es/about/current-rates/current-cd-rates
- texastrustcu.org/personal/savings-cds/cds/7-month-cd
- texastrustcu.org
- texastrustcu.org/personal/savings-cds/cds/13-month-cd
- texastrustcu.org/about/current-rates
- texastrustcu.org/personal/savings-cds/cds/15-month-cd
- texastrustcu.org/personal/savings-cds/cds/19-month-cd
- texastrustcu.org/personal/savings-cds/cds/25-month-cd
- texastrustcu.org/personal/savings-cds/cds/30-month-cd
All captured Oct 6, 2026
Term Share Jumbo Certificate
Up to 4.05%APY · 3 terms
Deposits are not permitted during term of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.51% | — |
| 6 months | 3.97% | — |
| 12 months | 4.05% | — |
Term Share Flex Certificate
Up to 4.00%APY · 6 terms
One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.71% | $184 |
| 12 months | 4.00% | $400 |
| 24 months | 3.39% | $689 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.14% | $1,316 |
| 60 months | 3.09% | $1,643 |
Term Share Mini Jumbo Certificate
Up to 4.00%APY · 3 terms
Deposits are not permitted during term of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.45% | — |
| 6 months | 3.92% | — |
| 12 months | 4.00% | — |
Term Share Certificate
Up to 3.95%APY · 7 terms
Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | $84 |
| 6 months | 3.87% | $192 |
| 12 months | 3.95% | $395 |
| 24 months | 3.55% | $723 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Special-purpose accounts
Mega Flex Certificate (Public Service & Workplace Partners)
4.05%APY · 1 term
Must be a full-time employee of any ISD School District, Private/Charter School, University, City, State, County, Federal Municipality, or a Workplace Partner. One option may be used during term: six deposits during the term or one withdrawal up to 25% of balance without penalty.
| Term | APY · $500 and up | APY · $98,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsQualification required: full-time employee of ISD School District, Private/Charter School, University, City, State, County, Federal Municipality, or Workplace Partner | 4.05% | 4.15% | 4.05%4.15% from $98k | $302 |
Term Share IRA Certificate
Up to 4.00%APY · 5 terms
Available for Traditional IRAs, Roth IRAs, and Coverdell ESAs. Joint owners not permitted. Deposit options are not permitted during term. Minimum withdrawal $500; one withdrawal per year permitted without CU penalty if over age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 24 months | 3.60% | $733 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
Sources (2)
- texastrustcu.org/about/current-rates/current-ira-rates
- texastrustcu.org/hubfs/TexasTr…25/pdf/CD-Rate-Sheet.pdf
All captured Oct 6, 2026
Smart Start Youth Certificate
3.95%APY · 1 term
Available to members under age 18. Joint owner over age 18 required (minor must be primary owner). Youth Savings Account required. Additional deposits permitted with minimum $25. At age 16, minor may withdraw without joint owner consent. Once youth turns 18 and certificate matures, automatically rolls into a 1-year Term Share Certificate if balance requirements are met.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMembers must be under age 18. Joint owner required | 3.95% | $395 |
Term Share 55 & Better Certificate
3.23%APY · 1 term
Members must be over age 54. Add 0.01% for each year of your age to the base rate. Deposits not permitted during term of certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsMembers must be over age 54. Add 0.01% for each year of your age to the base rate | 3.23% | $405 |
Who can join Texas Trust Credit Union
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, or worship in Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo) County are eligible for membership.
Family and household
- Individuals with a family member who lives, works, or worships in Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo) County are eligible for membership.
Cost to join
- Completing membership requires opening a share savings account with an initial deposit of $5.
Membership information collected October 5, 2026.