Credit union · NCUA insured
Worth Credit Union CD Rates
Top CarrotWorth Credit Union’s best CD rate is 4.34% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Worth Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Worth Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Worth Credit Union
4.34%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $434
Term Share Certificates
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Worth Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo4.34%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.34%
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 Worth 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.
Term Share Certificates
Up to 4.34%APY · 5 terms
Minimum deposit to open is $1,000. Dividends are compounded daily and paid monthly. Early withdrawal penalty applies.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $94,999 | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsCompounded daily, paid monthly. Penalty for early withdrawal | 4.08% | 4.08% | 4.08% | 4.08% | 4.08%4.08% $1k–$10k4.08% $50k–$95k4.08% from $95k | $202 |
| 12 monthsCompounded daily, paid monthly. Penalty for early withdrawal | 4.34% | 4.34% | 4.34% | 4.34% | 4.34%4.34% $1k–$10k4.34% $50k–$95k4.34% from $95k | $434 |
| 24 monthsCompounded daily, paid monthly. Penalty for early withdrawal | 3.15% | 3.20% | 3.46% | 3.51% | 3.20%3.15% $1k–$10k3.46% $50k–$95k3.51% from $95k | $650 |
| 30 monthsCompounded daily, paid monthly. Penalty for early withdrawal | 2.99% | 3.05% | 3.10% | 3.15% | 3.05%2.99% $1k–$10k3.10% $50k–$95k3.15% from $95k | $780 |
| 60 monthsCompounded daily, paid monthly. Penalty for early withdrawal | 3.25% | 3.30% | 3.35% | 3.41% | 3.30%3.25% $1k–$10k3.35% $50k–$95k3.41% from $95k | $1,763 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 4.34%APY · 5 terms
Minimum deposit to open is $1,000, except 18 Month Term is $500. Compounded daily and paid quarterly. Penalty for early withdrawal. Available as Traditional or Roth IRA options.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsCompounded daily, paid quarterly. Penalty for early withdrawal | — | 4.34% | 4.34% | $434 |
| 18 months18 Months Add-On IRA. Compounded daily, paid quarterly. Penalty for early withdrawal | 3.51% | — | 3.51% | $531 |
| 24 monthsCompounded daily, paid quarterly. Penalty for early withdrawal | — | 3.51% | 3.51% | $714 |
| 30 monthsCompounded daily, paid quarterly. Penalty for early withdrawal | — | 3.15% | 3.15% | $806 |
| 60 monthsCompounded daily, paid quarterly. Penalty for early withdrawal | — | 3.41% | 3.41% | $1,825 |
Sources (2)
All captured Oct 16, 2026
Who can join Worth Credit Union
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