Credit union · NCUA insured
Wellby Financial CD Rates
Top CarrotWellby Financial’s best CD rate is 4.00% APY on an 18-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wellby Financial’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Wellby Financial has the most branches. $10,000, best rate first.
This credit union’s best
Wellby Financial
4.00%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $606
Wellby Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Wellby Financial CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Wellby Financial 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.
Wellby Certificate
Up to 4.00%APY · 7 terms
Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 90 days dividends | 3.25% | $161 |
| 6 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 90 days dividends | 3.00% | $149 |
| 12 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 90 days dividends | 3.75% | $375 |
| 12 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 90 days dividends | 3.50% | $350 |
| 18 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends | 4.00% | $606 |
| 18 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends | 3.75% | $568 |
| 24 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends | 3.85% | $785 |
| 24 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends | 3.60% | $733 |
| 36 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 270 days dividends | 3.75% | $1,168 |
| 36 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 270 days dividends | 3.50% | $1,087 |
| 48 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 365 days dividends | 3.75% | $1,587 |
| 48 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 365 days dividends | 3.50% | $1,475 |
| 60 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 365 days dividends | 3.75% | $2,021 |
| 60 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 365 days dividends | 3.50% | $1,877 |
Special-purpose accounts
Wellby IRA Share Certificate
Up to 4.00%APY · 7 terms
Includes Traditional, Roth, and Educational (Coverdell) IRA Share Certificates. Fixed rates for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Cannot be pledged as security for a loan. Additional IRS restrictions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 90 days dividends | 3.25% | $161 |
| 6 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 90 days dividends | 3.00% | $149 |
| 12 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 90 days dividends | 3.75% | $375 |
| 12 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 90 days dividends | 3.50% | $350 |
| 18 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends | 4.00% | $606 |
| 18 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends | 3.75% | $568 |
| 24 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 180 days dividends | 3.85% | $785 |
| 24 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends | 3.60% | $733 |
| 36 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 270 days dividends | 3.75% | $1,168 |
| 36 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 270 days dividends | 3.50% | $1,087 |
| 48 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 365 days dividends | 3.75% | $1,587 |
| 48 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 365 days dividends | 3.50% | $1,475 |
| 60 monthsBump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 365 days dividends | 3.75% | $2,021 |
| 60 monthsStandard rate. Fixed rate until maturity. Early withdrawal penalty of 365 days dividends | 3.50% | $1,877 |
Who can join Wellby Financial
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