Credit union · NCUA insured
Wichita Falls Teachers Federal Credit Union CD Rates
Wichita Falls Teachers Federal Credit Union’s best CD rate is 3.66% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wichita Falls Teachers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Wichita Falls Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wichita Falls Teachers Federal Credit Union
3.66%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $366
Certificate Accounts
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 Teachers Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.04%
- 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 Teachers 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 Accounts
Up to 3.66%APY · 7 terms
Dividends paid monthly. CD Rates subject to change daily. Rates are subject to change at management discretion. A penalty may be required for early withdrawal of some deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 MO (182 DAY). Dividends Paid Monthly | 3.56% | $176 |
| 12 months1 YR. Dividends Paid Monthly | 3.66% | $366 |
| 18 months18 MO. Dividends Paid Monthly | 3.30% | $499 |
| 24 months2 YR. Dividends Paid Monthly | 3.30% | $671 |
| 36 months3 YR. Dividends Paid Monthly | 3.04% | $940 |
| 48 months4 YR. Dividends Paid Monthly | 3.04% | $1,273 |
| 60 months5 YR. Dividends Paid Monthly | 3.04% | $1,615 |
Mini-Jumbo Certificates
Up to 3.66%APY · 4 terms
Dividends paid monthly. CD Rates subject to change daily. Rates are subject to change at management discretion. A penalty may be required for early withdrawal of some deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 MO (182 DAY). Dividends Paid Monthly | 3.56% | — |
| 12 months1 YR. Dividends Paid Monthly | 3.66% | — |
| 18 months18 MO. Dividends Paid Monthly | 3.30% | — |
| 24 months2 YR. Dividends Paid Monthly | 3.30% | — |
Who can join Wichita Falls Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of Clinics of North Texas and Kell West Regional Hospital.
Military, government and schools
- Membership is open to employees and students of specified area independent school districts and Region 9 Education Service Center.
- Membership is open to employees and students of additional educational institutions and organizations.
- Membership is open to members of Wichita Falls Retired Teachers Association, retirees/annuitants from eligible employment, and surviving spouses of members who died while in the field of membership.
Family and household
- Membership is open to immediate family members (including foster or adopted children) of members or employees of specified employers.
Cost to join
- Eligible persons must make a deposit in a regular savings account to join.
Membership information collected October 5, 2026.