Credit union · NCUA insured
Wichita Falls Federal Credit Union CD Rates
Wichita Falls Federal Credit Union’s best CD rate is 3.76% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wichita Falls Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Wichita Falls Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wichita Falls Federal Credit Union
3.66%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $366
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Union Square Credit Union
4.24%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,325
Wichita Falls Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo2.89%
- QualifiedQualified3.66%
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 Wichita Falls 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.
Certificate of Deposit
Up to 3.66%APY · 7 terms
| Term | APY · Any balance | APY · Over $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.61% | — | 3.61% | $179 |
| 6 monthsBalances over $50,000.00 | — | 3.71% | —3.71% from $50k | — |
| 12 months | 3.66% | — | 3.66% | $366 |
| 12 monthsBalances over $50,000.00 | — | 3.76% | —3.76% from $50k | — |
| 18 months | 3.04% | — | 3.04% | $460 |
| 24 months | 3.30% | — | 3.30% | $671 |
| 24 monthsBalances over $50,000.00 | — | 3.40% | —3.40% from $50k | — |
| 36 months | 2.89% | — | 2.89% | $892 |
| 36 monthsBalances over $50,000.00 | — | 2.99% | —2.99% from $50k | — |
| 48 months | 2.89% | — | 2.89% | $1,206 |
| 48 monthsBalances over $50,000.00 | — | 2.99% | —2.99% from $50k | — |
| 60 months | 2.79% | — | 2.79% | $1,472 |
| 60 monthsBalances over $50,000.00 | — | 2.89% | —2.89% from $50k | — |
Special-purpose accounts
IRA Certificate
Up to 3.66%APY · 7 terms
Traditional and Roth IRAs available. Minimum opening balance for IRA is $500.00. No fees on IRAs.
| Term | APY · Any balance | APY · Over $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.61% | — | 3.61% | $179 |
| 6 monthsBalances over $50,000.00 | — | 3.71% | —3.71% from $50k | — |
| 12 months | 3.66% | — | 3.66% | $366 |
| 12 monthsBalances over $50,000.00 | — | 3.76% | —3.76% from $50k | — |
| 18 months | 3.04% | — | 3.04% | $460 |
| 24 months | 3.30% | — | 3.30% | $671 |
| 24 monthsBalances over $50,000.00 | — | 3.40% | —3.40% from $50k | — |
| 36 months | 2.89% | — | 2.89% | $892 |
| 36 monthsBalances over $50,000.00 | — | 2.99% | —2.99% from $50k | — |
| 48 months | 2.89% | — | 2.89% | $1,206 |
| 48 monthsBalances over $50,000.00 | — | 2.99% | —2.99% from $50k | — |
| 60 months | 2.79% | — | 2.79% | $1,472 |
| 60 monthsBalances over $50,000.00 | — | 2.89% | —2.89% from $50k | — |
Who can join Wichita Falls Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Century Construction are eligible for membership.
- Employees of TB Electrical are eligible for membership.
Military, government and schools
- Members of the Wichita Falls City Council are eligible for membership.
- Employees of Wichita County Appraisal District are eligible for membership.
- Employees of the City of Wichita Falls are eligible for membership.
- Employees of Wichita Falls City/County Health Unit are eligible for membership.
7 more ways to join
Military, government and schools
- Employees of Wichita Falls Housing Authority are eligible for membership.
- Employees of Lakeside City are eligible for membership.
- Employees of Wichita County Water District 2 are eligible for membership.
Family and household
- Family members by blood or marriage (excluding cousins) of eligible individuals qualify for membership.
- Household members of existing account holders are eligible for membership.
- Spouses of individuals who died while in an eligible field of membership qualify for membership.
Other ways
- Persons retired from the qualifying fields of membership are eligible for membership.
Cost to join
- An initial deposit of at least $25.00 is required to open and maintain the Share Savings Account for membership.
Membership information collected October 5, 2026.