Credit union · NCUA insured
Windthorst Federal Credit Union CD Rates
Windthorst Federal Credit Union’s best CD rate is 4.18% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Windthorst Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Windthorst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Windthorst Federal Credit Union
4.18%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,306
Share Certificate
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
Windthorst Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo4.18%
- QualifiedQualified4.18%
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 Windthorst 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.
Share Certificate
Up to 4.18%APY · 4 terms
Early withdrawal fee for Share Certificates 1 Year & Under: 90 days dividend; Greater than 1 Year: 180 days dividend. Rates subject to change without notice.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months6 Month Jumbo. Dividend Paid at Maturity, Check Disbursement, Transfer to Shares, Roll Back to Certificate | — | 3.28% | — | —3.28% from $25k | — |
| 6 monthsDividend Paid at Maturity, Check Disbursement, Transfer to Shares, Roll Back to Certificate | 3.02% | — | — | 3.02% | $150 |
| 12 months1 Year Jumbo. Dividend Paid Monthly, Check Disbursement, Transfer to Savings, Roll Back to Certificate | — | 3.82% | — | —3.82% from $25k | — |
| 12 months1 Year Super Jumbo. Dividend Paid Monthly, Check Disbursement, Transfer to Savings, Roll Back to Certificate | — | — | 4.07% | —4.07% from $100k | — |
| 12 monthsDividend Paid at Maturity, Check Disbursement, Transfer to Shares, Roll Back to Certificate | 3.50% | — | — | 3.50% | $350 |
| 24 monthsDividend Paid Monthly, Check Disbursement, Transfer to Shares, Roll Back to Certificate | 4.07% | — | — | 4.07% | $831 |
| 36 monthsDividend Paid Monthly, Check Disbursement, Transfer to Shares, Roll Back to Certificate | 4.18% | — | — | 4.18% | $1,306 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.18%APY · 2 terms
Available as Traditional, Roth, and Educational IRAs. No fees for opening or closing. Early withdrawal fee: 1 Year: 90 days dividend; 3 Years: 180 days dividend. Rates subject to change without notice.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1 Year Super. Dividend Paid Monthly on Last Day of Month | — | 4.07% | —4.07% from $100k | — |
| 12 monthsDividend Paid Monthly on Last Day of Month | 3.56% | — | 3.56% | $356 |
| 36 monthsDividend Paid Last Day of Month, Contribution Allowed Upon Maturity | 4.18% | — | 4.18% | $1,306 |
Sources (2)
All captured Oct 16, 2026
Who can join Windthorst Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.