Credit union · NCUA insured
The People's Federal Credit Union CD Rates
Top CarrotThe People's Federal Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How The People's Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Amarillo, TX, where The People's Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The People's Federal Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $350
Share Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
The People's Federal Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.75%
- 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 The People's 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 Certificate
Up to 3.50%APY · 3 terms
Must be a TPFCU member. Minimum deposit $5,000. Additional deposits after opening are not permitted. Automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies (greater of $25 or 50% of dividends that would be earned over remaining term).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited at maturity | 3.40% | $169 |
| 12 monthsDividends compounded and credited quarterly | 3.50% | $350 |
| 24 monthsDividends compounded and credited quarterly | 2.75% | $558 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate
3.50%APY · 1 term
Must be a TPFCU member. Available within Traditional IRA or Roth IRA. Minimum deposit $5,000. Additional deposits after opening are not permitted. Automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies (greater of $25 or 50% of dividends that would be earned over remaining term), and early withdrawals may be subject to additional tax penalties under IRS rules.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited quarterly | 3.50% | $350 |
Sources (3)
All captured Sep 17, 2026
Who can join The People's Federal 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 Canyon, Childress, Hereford, parts of Amarillo, or Deaf Smith County, Texas are eligible for membership.
Employers and groups
- Individuals who work for or have retired from a company served by TPFCU are eligible for membership.
Family and household
- Individuals who have a family member who is already a TPFCU member are eligible for membership.
Cost to join
- A required $25 initial deposit into a Membership Savings Account is needed to establish membership.
Membership information collected October 5, 2026.