Credit union · NCUA insured
Texell Credit Union CD Rates
Top CarrotTexell Credit Union’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Texell Credit Union’s CD rates compare
Compared with banks and credit unions near Killeen, TX, where Texell Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Texell Credit Union
4.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $415
Term Share Certificate
Top rate
Belton Federal Credit Union
4.58%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $458
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Texell Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.15%
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 Texell 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.
Term Share Certificate
Up to 4.15%APY · 7 terms
No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Insured up to $500,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 3.70% | $183 |
| 12 monthsLimited-time offer. $1,000 minimum balance to open certificate and earn dividends. Penalty for early withdrawal | 4.15% | $415 |
| 12 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 4.15% | $415 |
| 18 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 4.05% | $614 |
| 24 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 3.75% | $764 |
| 36 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 3.30% | $1,023 |
| 48 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 3.15% | $1,321 |
| 60 monthsMust maintain the disclosed minimum daily balance to earn dividends and obtain the disclosed APY. Penalty for early withdrawal | 3.20% | $1,706 |
Sources (3)
All captured Sep 17, 2026
Bump Rate Certificates
2.65%APY · 1 term
Rate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsRate may be adjusted only once during the term to the then current 48 Month Term Share Certificate Rate at the direction of the member. Must maintain minimum daily balance to earn dividends and avoid service charge | 2.65% | $1,103 |
Sources (1)
- texell.org/learn/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 4.15%APY · 7 terms
Available as Traditional and Roth Individual Retirement Arrangements (IRAs). No setup or maintenance fees. Insured up to $500,000. Annual deposit limits apply ($7,500 annually, or $8,600 for individuals 50 years or older).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 3.70% | $183 |
| 12 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 4.15% | $415 |
| 18 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 4.05% | $614 |
| 24 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 3.75% | $764 |
| 36 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 3.30% | $1,023 |
| 48 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 3.15% | $1,321 |
| 60 monthsStated rate applies to IRA and Roth IRA Term Share Certificates. Must maintain minimum daily balance to earn dividends and avoid service charges. Penalty for early withdrawal | 3.20% | $1,706 |
Who can join Texell Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Any Texas resident or business can join through the Texell Serves Foundation with membership fee covered courtesy of Texell.
Where you live or work
- Individuals who live, work, worship, or attend school in Bell, Bosque, Burnet, Coryell, Falls, Hill, Lampasas, Limestone, McLennan, Milam, Travis, or Williamson County qualify directly for membership.
Family and household
- Immediate family members of existing Texell members are eligible to join.
Membership information collected October 5, 2026.