Credit union · NCUA insured
The Local Federal Credit Union CD Rates
The Local Federal Credit Union’s best CD rate is 3.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How The Local Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where The Local Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Local Federal Credit Union
3.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $149
Share Certificates Account (C.D.)
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
The Local Federal Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.00%
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 The Local Federal 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.
Share Certificates Account (C.D.)
Up to 3.00%APY · 5 terms
Dividends compounded and paid quarterly. Early withdrawal penalty is 90 days dividends. Automatic renewal upon maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 3.00% | $149 |
| 12 months | 2.00% | $200 |
| 24 months | 2.00% | $404 |
| 36 months | 2.00% | $612 |
Sources (3)
- thelocalfcu.com/forms_app/Truth_In_Savings_CD.pdf
- thelocalfcu.com/rates/cds.php
- thelocalfcu.com/checking_savin…certificates_account.php
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates (CDs)
Up to 3.00%APY · 5 terms
Available as Traditional or Roth IRA share certificates (CDs). Early withdrawal penalty is 90 days dividends (exceptions apply). Automatic renewal with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 3.00% | $149 |
| 12 months | 2.00% | $200 |
| 24 months | 2.00% | $404 |
| 36 months | 2.00% | $612 |
Sources (3)
- thelocalfcu.com/forms_app/Truth_In_Savings_CD.pdf
- thelocalfcu.com/rates/iras.php
- thelocalfcu.com/checking_savings/iras.php
All captured Oct 6, 2026
Who can join The Local Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Any member of an existing member's immediate family can become a member.
Cost to join
- Joining requires opening a savings account with an initial share deposit of $25, which is held on deposit while a member.
Membership information collected October 5, 2026.