# East Texas Professional Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/east-texas-professional-credit-union
Institution: East Texas Professional Credit Union (NCUA 67761)
Aliases: ETPCU
Status: live
Last verified: 2026-10-23T02:09:45.000Z (October 22, 2026)
Official source: https://www.etpcu.org/save-and-spend/deposit-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 91 Day Term Share Certificate | standard | 91 days | $1,000 | 2.78% | Not ZIP-priced | −1.52% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 183 Day Term Share Certificate | standard | 183 days | $1,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 12 Month Term Share Certificate | standard | 12 months | $1,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 15 Month Term Share Certificate (Special Rate) | promotional | 15 months | $1,000 | 4.10% | Not ZIP-priced | −0.55% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 18 Month Term Share Certificate | standard | 18 months | $1,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 23 Month Term Share Certificate (Special Rate) | promotional | 23 months | $1,000 | 4.25% | Not ZIP-priced | −0.59% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 24 Month Term Share Certificate | standard | 24 months | $1,000 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 36 Month Term Share Certificate | standard | 36 months | $1,000 | 3.85% | Not ZIP-priced | −1.10% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 48 Month Term Share Certificate | standard | 48 months | $1,000 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |
| 60 Month Term Share Certificate | standard | 60 months | $1,000 | 3.90% | Not ZIP-priced | −1.11% | 2026-10-23T02:09:45.000Z | [Snapshot 838](https://apyledger.com/snapshots/838) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.