Credit union · NCUA insured
TxDot Credit Union CD Rates
TxDot Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How TxDot Credit Union’s CD rates compare
Compared with banks and credit unions near Odessa, TX, where TxDot Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TxDot Credit Union
3.82%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $382
Term Share Certificate
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 3.82%APY · 3 terms
Term Share Certificates can be purchased from 6 to 24 months. Minimum deposits range from $500 – $25,000. Dividends are calculated and posted at the end of each month.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months$500.00 Minimum Balance | 3.55% | — | — | 3.55% | $176 |
| 12 months$1,000.00 Minimum Balance | — | 3.82% | — | 3.82% | $382 |
| 24 months$25,000.00 Minimum Balance | — | — | 3.45% | —3.45% from $25k | — |
Sources (2)
All captured Sep 17, 2026
Who can join TxDot Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Texas Department of Transportation, Texas Department of Public Safety and Motor Vehicles who live in or work in Taylor, Jones, Mitchell, Haskell, Fisher, Nolan, Shackelford, Stonewall, Howard, Borden, Kent, Scurry, Andrews, Crane, Ector, Loving, Martin, Midland, Pecos, Reeves, Terrell, Upton, Ward and Winkler counties (Old District 8 and District 6) are eligible to join.
- Employees of Taylor County Sheriff’s Department are eligible to join.
- Persons who are receiving retirements, pensions or other benefits as a result of prior employment by any business or organization included with the field of membership are eligible to join.
Family and household
- Anyone related by blood, marriage or adoption to an existing member is eligible to join.
Membership information collected October 5, 2026.