Credit unions often offer higher interest rates compared to banks, and in some cases, they even compete with the rates offered by online banks. Share certificates, which are commonly known as certificates of deposit in credit unions, come with various terms ranging from a few months to several years. The minimum deposit required for these certificates may vary depending on the specific credit union.
However, unlike banks, credit unions typically impose membership restrictions based on factors such as geography, employer, and other criteria. Although many credit unions provide ways to join even if you don't meet the initial criteria (such as making a small donation to a charity), it is advisable to verify the eligibility requirements beforehand.
Best Credit Union CD Rates
However, unlike banks, credit unions typically impose membership restrictions based on factors such as geography, employer, and other criteria. Although many credit unions provide ways to join even if you don't meet the initial criteria (such as making a small donation to a charity), it is advisable to verify the eligibility requirements beforehand.
Best Credit Union CD Rates
- Sheridan Community Federal Credit Union CD – 4.25% APY
- Raiz FCU CD – 5.12% APY
- Wyrope Williamsport Federal Credit Union CD – 3.453% APY
- Financial Partners Credit Union CD – 6.00% APY
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Updating Savings Accounts
Alliant Credit Union • 1 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $1,000 - $75,000 | 4.10% |
| $75,000+ | 4.15% |
- Minimum to Open: $1,000
Additional Info
- Low minimum deposit of only $1,000; no maximum
- Jumbo certificates may be available for a higher rate if you deposit $75,000 or more
- Choose from a variety of maturity dates including 12-month and 60-month terms
- Dividends compounded every month and at maturity
- Funds are insured up to $250,000 by NCUA
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Texans Credit Union • 3 Month CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 4.00% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Texans Credit Union • 6 Month CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 4.00% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Texans Credit Union • 1 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 4.00% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Texans Credit Union • 2 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 3.50% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Texans Credit Union • 3 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 3.50% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Quorum Federal Credit Union • 5 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $100+ | 3.50% |
- Minimum to Open: $100
Additional Info
- Secure a stable future with solid returns.
- With fixed interest rates, no market guesswork and multiple terms to choose from, this account is perfect for those who value reliability in their savings strategy.
- Monthly Fees: $0
- Early Withdrawal Fees: A penalty will be imposed if funds are withdrawn prior to maturity date.
- Term Account deposits of $100,000 or more earn an additional 0.10% APY.
- *Annual percentage yield (APY) and rates are in effect as of 08/13/25. Term savings accounts are fixed-rate accounts. Dividends are compounded monthly and paid monthly. The minimum deposit and balance required to earn APY is $100. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. Term Account deposits of $100,000 or more earn an additional 0.10% APY. Term Accounts will automatically roll over into the same term at the current rate at maturity with the exception of the 13-Month Term Account. The 13-Month Term Account will roll over into the 18-Month Term Account at the current rate at maturity.
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Texans Credit Union • 5 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 3.25% |
- Minimum to Open: $500
Additional Info
- Flexible terms from 3 months to 60 months
- Interest paid monthly
- Automatic renewal
- $500 minimum deposit to open
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Quorum Federal Credit Union • 2 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $100 - $100,000 | 3.00% |
- Minimum to Open: $100
Additional Info
- Secure a stable future with solid returns.
- With fixed interest rates, no market guesswork and multiple terms to choose from, this account is perfect for those who value reliability in their savings strategy.
- Monthly Fees: $0
- Early Withdrawal Fees: A penalty will be imposed if funds are withdrawn prior to maturity date.
- Term Account deposits of $100,000 or more earn an additional 0.10% APY.
- *Annual percentage yield (APY) and rates are in effect as of 08/13/25. Term savings accounts are fixed-rate accounts. Dividends are compounded monthly and paid monthly. The minimum deposit and balance required to earn APY is $100. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. Term Account deposits of $100,000 or more earn an additional 0.10% APY. Term Accounts will automatically roll over into the same term at the current rate at maturity with the exception of the 13-Month Term Account. The 13-Month Term Account will roll over into the 18-Month Term Account at the current rate at maturity.
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Quorum Federal Credit Union • 3 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $100 - $100,000 | 3.00% |
- Minimum to Open: $100
Additional Info
- Secure a stable future with solid returns.
- With fixed interest rates, no market guesswork and multiple terms to choose from, this account is perfect for those who value reliability in their savings strategy.
- Monthly Fees: $0
- Early Withdrawal Fees: A penalty will be imposed if funds are withdrawn prior to maturity date.
- Term Account deposits of $100,000 or more earn an additional 0.10% APY.
- *Annual percentage yield (APY) and rates are in effect as of 08/13/25. Term savings accounts are fixed-rate accounts. Dividends are compounded monthly and paid monthly. The minimum deposit and balance required to earn APY is $100. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. Term Account deposits of $100,000 or more earn an additional 0.10% APY. Term Accounts will automatically roll over into the same term at the current rate at maturity with the exception of the 13-Month Term Account. The 13-Month Term Account will roll over into the 18-Month Term Account at the current rate at maturity.
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