Credit union · NCUA insured
Valley Federal Credit Union CD Rates
Top CarrotValley Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Brownsville, TX, where Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $10,000
- Earns on $10,000
- $173
Jumbo Share Certificates
Top rate
Bank of South Texas
4.44%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $220
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Valley Federal Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo3.50%
- 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 Valley 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.
Jumbo Share Certificates
Up to 3.50%APY · 7 terms
All Jumbo Share Certificates automatically renew. Subject to early withdrawal penalties. Higher minimum balance in exchange for higher annual yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to early withdrawal penalties. Automatically renews | 3.50% | $173 |
| 12 monthsSubject to early withdrawal penalties. Automatically renews | 3.35% | $335 |
| 18 monthsSubject to early withdrawal penalties. Automatically renews | 3.00% | $453 |
| 24 monthsSubject to early withdrawal penalties. Automatically renews | 3.05% | $619 |
| 36 monthsSubject to early withdrawal penalties. Automatically renews | 2.95% | $911 |
| 48 monthsSubject to early withdrawal penalties. Automatically renews | 2.85% | $1,190 |
| 60 monthsSubject to early withdrawal penalties. Automatically renews | 3.50% | $1,877 |
Sources (2)
All captured Sep 17, 2026
Share Certificates
Up to 3.00%APY · 6 terms
All certificates of deposit automatically renew. Subject to early withdrawal penalties. Paid disclosed rate until first maturity. Dividends calculated by daily balance method. No additions permitted after opening until maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to early withdrawal penalties. Automatically renews | 0.80% | $40 |
| 12 monthsSubject to early withdrawal penalties. Automatically renews | 0.85% | $85 |
| 18 monthsSubject to early withdrawal penalties. Automatically renews | 0.90% | $135 |
| 24 monthsSubject to early withdrawal penalties. Automatically renews | 0.95% | $191 |
| 30 monthsSubject to early withdrawal penalties. Automatically renews | 3.00% | $767 |
| 36 monthsSubject to early withdrawal penalties. Automatically renews | 1.06% | $321 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Educational IRA Certificates
Up to 3.75%APY · 3 terms
Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.55% | $355 |
| 18 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.65% | $552 |
| 30 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.75% | $964 |
Sources (1)
- vfcu.net/interest-rates/indivi…ent-account-certificates · captured Sep 17, 2026
IRA Certificates
Up to 3.75%APY · 3 terms
Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.55% | $355 |
| 18 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.65% | $552 |
| 30 monthsSubject to federal tax penalties & restrictions. Also subject to early withdrawal penalty | 3.75% | $964 |
Sources (2)
All captured Sep 17, 2026
Who can join Valley 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 work, attend school, or reside in Cameron or Willacy County are eligible to join.
- Individuals who work, attend school, or worship in Cameron/Willacy County are eligible to become a member.
Membership information collected October 5, 2026.