Credit union · NCUA insured
Velocity Credit Union CD Rates
Velocity Credit Union’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Velocity Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Velocity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Velocity Credit Union
3.85%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $385
Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Velocity Credit Union CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.85%
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 Velocity 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 3.85%APY · 7 terms
Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 1 year (12 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.85% | $385 |
| 18 monthsTerm is 18 months. Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.85% | $583 |
| 24 monthsTerm is 2 years (24 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.85% | $785 |
| 30 monthsTerm is 30 months. Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.65% | $938 |
| 36 monthsTerm is 3 years (36 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.65% | $1,135 |
| 48 monthsTerm is 4 years (48 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.65% | $1,542 |
| 60 monthsTerm is 5 years (60 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.60% | $1,934 |
Sources (2)
All captured Oct 6, 2026
Jumbo Share Certificate
Up to 3.80%APY · 3 terms
Substantial penalty for early withdrawal of principal. Dividends are paid to the investor on a monthly basis (no compounding).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 3 months (91 days). Dividends paid monthly (no compounding) | 2.55% | $63 |
| 6 monthsTerm is 6 months (180 days). Dividends paid monthly (no compounding) | 3.70% | $183 |
| 12 monthsTerm is 1 year (365 days / 12 months). Dividends paid monthly (no compounding) | 3.80% | $380 |
Sources (2)
All captured Oct 6, 2026
Mini-Jumbo Certificate
Up to 3.80%APY · 3 terms
Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 2.55% | $63 |
| 6 monthsTerm is 6 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.70% | $183 |
| 9 monthsTerm is 9 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.80% | $284 |
Sources (2)
All captured Oct 6, 2026
Short Term Certificate
Up to 3.75%APY · 3 terms
Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 days. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 2.50% | $62 |
| 6 monthsTerm is 6 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.65% | $181 |
| 9 monthsTerm is 9 months. Dividends pay and compound monthly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.75% | $280 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 6 terms
Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm is 1 year (12 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 4.25% | $425 |
| 18 monthsTerm is 18 months. Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.90% | $591 |
| 24 monthsTerm is 2 years (24 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.90% | $795 |
| 36 monthsTerm is 3 years (36 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.70% | $1,152 |
| 48 monthsTerm is 4 years (48 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.70% | $1,564 |
| 60 monthsTerm is 5 years (60 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply | 3.65% | $1,963 |
Sources (1)
- velocitycu.com/rates/savings-rates · captured Oct 6, 2026
Who can join Velocity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in Travis, Hays, Williamson, Bastrop, or Caldwell counties is eligible for membership.
Membership information collected October 5, 2026.