Credit union · NCUA insured
USE Credit Union CD Rates
Top CarrotUSE Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How USE Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where USE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USE Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $10,000
- Earns on $10,000
- $644
Certificate of Deposit New Money Offer
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
USE Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
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 USE 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.
Certificate of Deposit New Money Offer
Up to 4.25%APY · 2 terms
New Money only (money not from another USECU account; transfers between USECU accounts do not qualify). New members must be eligible for USE Credit Union membership and open a share savings account with a $25 minimum deposit. Membership required and subject to approval. Early withdrawal penalty may apply. Automatically renews at maturity at the rate in effect at that time. 10-day grace period after maturity. Additional deposits not allowed after starting account. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months360 Day CD. New Money only | 4.10% | $410 |
| 18 months18 Month CD. New Money only | 4.25% | $644 |
USECU Certificates of Deposit
Up to 3.75%APY · 7 terms
Federally insured up to $250,000 by NCUA. Penalties may be imposed for early withdrawal. Opening deposits range from $2,500 – $250,000. Option to have interest deposited directly into USECU checking or savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 2.00% | $100 |
| 12 months | 3.00% | $300 |
| 18 months | 3.25% | $491 |
| 24 months | 3.50% | $712 |
| 36 months | 3.75% | $1,168 |
| 60 months | 2.00% | $1,041 |
Who can join USE 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 the Houston Metro area or specified surrounding communities are eligible for membership.
Military, government and schools
- U.S. Government Employees are eligible for membership.
Membership information collected October 5, 2026.