Best 1-year CD rates

Requirements

Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.

Offer: Seedling Certificate. Limit of one per member.

Requirements

Product: Early withdrawal penalties apply. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate.

Requirements

Product: Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.

Requirements

Product: Savings certificates are subject to Early Withdrawal Penalties.

Offer: Early withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date.

Requirements

Product: $500 minimum deposit. Early withdrawal penalty applies. Dividends compounded and credited monthly. Some certificates may not be available for online opening.

Offer: $500 minimum deposit to open account and earn APY. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.

Requirements

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Requirements

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

Offer: CD rates over $1 million.

Requirements

Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.

Offer: 12-month term. Early withdrawal penalties will/may be imposed.

Requirements

Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.

Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.

Requirements

Product: Available for a limited time only. 12-month special requires $10,000 new money and a new or existing Texana checking account. Available at any Texana Bank branch.

Offer: Minimum to open is $10,000 new money with a new or existing Texana checking account. Rate is subject to change at maturity. Penalty for early withdrawal before term selected; withdrawal of interest will reduce earnings.

Requirements

Product: CRCU membership required. One rate bump up allowed during the term of the certificate at prevailing CRCU rate on that product with no fee. You may add money anytime up to $10,000.00. Rates available for new money and money currently on deposit. Does not apply to existing certificates or IRA/HSA CDs. Penalty for early withdrawal. After promotional period ends, 12-month CD renews at 12 months and 24-month CD renews at 24 months as standard Certificate.

Offer: One rate bump up allowed during the term to the prevailing CRCU rate. After the promotional period ends, renews into standard 12-month Certificate.

Requirements

Product: Offer runs through October 31, 2026. Rate subject to change. Penalty for early withdrawals.

Offer: Limited time offer through October 31, 2026. Penalty for early withdrawals.

Requirements

Product: Offered to residents of greater Austin. CDs available with maturities up to 18 months. Early withdrawal penalty applies for CDs not held to maturity.

Offer: Assumes no compounding, interest paid annually or at maturity. Early withdrawal penalty applies.

Requirements

Product: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.

Offer: 12 Month Term Share Account.