East Texas Professional Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, East Texas Professional Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 23-month promotional CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.78% to 3.90% APY.
Tracking began .
East Texas Professional Credit Union CD & share certificate rates
Membership required. Term share certificates from 91 days to 60 months with a $1,000 minimum, including 15- and 23-month special rates. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | 91 Day Term Share Certificate | $1,000 | 2.78% | −1.52% | Top 52% of tracked 91-day CDs · Verified October 22, 2026 |
| 183 days | 183 Day Term Share Certificate | $1,000 | 3.75% | −0.65% | Top 32% of tracked 183-day CDs · Verified October 22, 2026 |
| 12 months | 12 Month Term Share Certificate | $1,000 | 3.80% | −0.77% | Top 38% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | 15 Month Term Share Certificate (Special Rate) Promotional | $1,000 | 4.10% | −0.55% | Verified October 22, 2026 |
| 18 months | 18 Month Term Share Certificate | $1,000 | 3.80% | −0.92% | Top 38% of tracked 18-month CDs · Verified October 22, 2026 |
| 23 months | 23 Month Term Share Certificate (Special Rate) Promotional | $1,000 | 4.25% | −0.59% | Verified October 22, 2026 |
| 24 months | 24 Month Term Share Certificate | $1,000 | 3.80% | −1.07% | Top 32% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Term Share Certificate | $1,000 | 3.85% | −1.10% | Top 25% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Term Share Certificate | $1,000 | 3.85% | −1.13% | Top 22% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Term Share Certificate | $1,000 | 3.90% | −1.11% | Top 24% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (23 months). The standard rate for a similar term is 3.80% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $45 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are East Texas Professional Credit Union's best CD rates by term?
East Texas Professional Credit Union's best rate is 4.25% APY on 23 months, verified October 22, 2026.
- 91 days2.78%
- 183 days3.75%
- 12 mo3.80%
- 15 mo4.10%
- 18 mo3.80%
- 23 mo4.25%
- 24 mo3.80%
- 36 mo3.85%
- 48 mo3.85%
- 60 mo3.90%
How much interest could a East Texas Professional Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$830.95 interest · $10,830.95 at maturity on $10,000.00.
4.25% APY · 23 months · 23 Month Term Share Certificate (Special Rate) · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $34.302.78% APY · 91 Day Term Share Certificate · Standard | $68.602.78% APY · 91 Day Term Share Certificate · Standard | $171.492.78% APY · 91 Day Term Share Certificate · Standard | $342.992.78% APY · 91 Day Term Share Certificate · Standard |
| 183 days | $93.143.75% APY · 183 Day Term Share Certificate · Standard | $186.293.75% APY · 183 Day Term Share Certificate · Standard | $465.723.75% APY · 183 Day Term Share Certificate · Standard | $931.443.75% APY · 183 Day Term Share Certificate · Standard |
| 12 months | $190.003.80% APY · 12 Month Term Share Certificate · Standard | $380.003.80% APY · 12 Month Term Share Certificate · Standard | $950.003.80% APY · 12 Month Term Share Certificate · Standard | $1,900.003.80% APY · 12 Month Term Share Certificate · Standard |
| 15 months | $257.414.10% APY · 15 Month Term Share Certificate (Special Rate) · Promotional | $514.814.10% APY · 15 Month Term Share Certificate (Special Rate) · Promotional | $1,287.034.10% APY · 15 Month Term Share Certificate (Special Rate) · Promotional | $2,574.054.10% APY · 15 Month Term Share Certificate (Special Rate) · Promotional |
| 18 months | $287.963.80% APY · 18 Month Term Share Certificate · Standard | $575.923.80% APY · 18 Month Term Share Certificate · Standard | $1,439.803.80% APY · 18 Month Term Share Certificate · Standard | $2,879.613.80% APY · 18 Month Term Share Certificate · Standard |
| 23 months | $415.474.25% APY · 23 Month Term Share Certificate (Special Rate) · Promotional | $830.954.25% APY · 23 Month Term Share Certificate (Special Rate) · Promotional | $2,077.374.25% APY · 23 Month Term Share Certificate (Special Rate) · Promotional | $4,154.734.25% APY · 23 Month Term Share Certificate (Special Rate) · Promotional |
| 24 months | $387.223.80% APY · 24 Month Term Share Certificate · Standard | $774.443.80% APY · 24 Month Term Share Certificate · Standard | $1,936.103.80% APY · 24 Month Term Share Certificate · Standard | $3,872.203.80% APY · 24 Month Term Share Certificate · Standard |
| 36 months | $600.023.85% APY · 36 Month Term Share Certificate · Standard | $1,200.043.85% APY · 36 Month Term Share Certificate · Standard | $3,000.103.85% APY · 36 Month Term Share Certificate · Standard | $6,000.193.85% APY · 36 Month Term Share Certificate · Standard |
| 48 months | $815.623.85% APY · 48 Month Term Share Certificate · Standard | $1,631.243.85% APY · 48 Month Term Share Certificate · Standard | $4,078.103.85% APY · 48 Month Term Share Certificate · Standard | $8,156.203.85% APY · 48 Month Term Share Certificate · Standard |
| 60 months | $1,054.073.90% APY · 60 Month Term Share Certificate · Standard | $2,108.153.90% APY · 60 Month Term Share Certificate · Standard | $5,270.373.90% APY · 60 Month Term Share Certificate · Standard | $10,540.743.90% APY · 60 Month Term Share Certificate · Standard |
How East Texas Professional Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 700-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 12 tracked institutions with fresh 700-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| East Texas Professional Credit Union (this institution)23 Month Term Share Certificate (Special Rate) · Promotional | 23 months | $1,000 | Membership required · branches in TX | 4.25% | October 22, 2026 |
| b1BANK23 Month CD (Special) · Promotional | 23 months | $1,000 | Branches in LA, TX | 3.45% | October 22, 2026 |
| Bank Five Nine (highest tracked APY for this term)23 Month Special CD (Relationship) · Relationship | 23 months | $2,500 | Branches in WI | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 23 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.84% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking East Texas Professional Credit Union on October 22, 2026.
About East Texas Professional Credit Union
- Legal name
- East Texas Professional Credit Union
- Regulator ID
- NCUA 67761
- Headquarters
- Longview, TX
- Available in
- TX
- Total assets
- $1.5 billion
- Also known as
- ETPCU
- Website
- www.etpcu.org
Source: rates read from https://www.etpcu.org/save-and-spend/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at East Texas Professional Credit Union?
Among the rates we track, 4.25% APY on a 23-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a East Texas Professional Credit Union CD?
The lowest minimum we found is $1,000.
How does East Texas Professional Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.59% versus the 23-month Treasury yield of 4.84% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are East Texas Professional Credit Union CDs insured?
East Texas Professional Credit Union is a federally insured credit union (NCUA 67761). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at East Texas Professional Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check East Texas Professional Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from East Texas Professional Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with East Texas Professional Credit Union before opening an account. This page is not financial advice.