Best credit union CD rates in Texas
Justice Federal Credit Union has the highest APY in this tracked sample of 28 institutions: 5.35% APY for 9 months, verified October 22, 2026.
These institutions list Texas in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| Justice Federal Credit Union | 9 months9-Month Special Certificate · Relationship | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 Source text |
| Advancial Federal Credit Union | 60 monthsCertificate · Standard | $1,000 | Membership required · branches in AK, LA, NC, OK, TX | 4.66% | October 22, 2026 Source text |
| Neches Federal Credit Union | 12 monthsCertificate Rates ($100,000 minimum balance) · Standard | $100,000 | Membership required · branches in TX | 4.65% | October 22, 2026 Source text |
| Alliance Credit Union (Texas) | 15 monthsCertificate · Standard | $1,000 | Membership required · branches in TX | 4.50% | October 22, 2026 Source text |
| Amoco Federal Credit Union | 36 monthsCertificate · Standard | $1,000 | Membership required · branches in TX | 4.50% | October 22, 2026 Source text |
| Neighborhood Credit Union (Texas) | 15 months15 Month CD · Promotional | $10,000 | Membership required · branches in TX | 4.40% | October 22, 2026 Source text |
| Tinker Federal Credit Union | 60 monthsTerm Share Certificate · Standard | $99,000 | Membership required · branches in OK, TX | 4.40% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Barksdale Federal Credit Union | 12 monthsPlus Point Certificate · Special | $1,000 | Membership required · branches in AR, LA, TX | 4.25% | October 22, 2026 Source text |
| East Texas Professional Credit Union | 23 months23 Month Term Share Certificate (Special Rate) · Promotional | $1,000 | Membership required · branches in TX | 4.25% | October 22, 2026 Source text |
| Eastman Credit Union | 180 daysInvestment Certificate (Jumbo) · Standard | $100,000 | Membership required · branches in TN, TX, VA | 4.25% | October 22, 2026 Source text |
| SAFE 1 Credit Union | 7 monthsRelationship Rewards 7-Month Special Certificate · Relationship | $1,000 | Membership required · branches in CA, TX | 4.25% | October 22, 2026 Source text |
| FIG Credit Union | 60 monthsShare Certificate - Direct Deposit Bonus · Relationship | $100,000 | Membership required · branches in AZ, CA, KS, MI, OK, TX | 4.15% | October 22, 2026 Source text |
| FirstLight Federal Credit Union | 24 monthsShare Certificate · Standard | $100,000 | Membership required · branches in NM, TX | 4.15% | October 22, 2026 Source text |
| UFCU (University Federal Credit Union) | 24 monthsFixed-Rate Certificate · Standard | Not stated | Membership required · branches in TX | 4.10% | October 22, 2026 Source text |
| Credit Human Federal Credit Union | 120 monthsShare Certificate · Standard | $500 | Membership required · branches in LA, NC, TX, WA | 4.05% | October 22, 2026 Source text |
| Meriwest Credit Union | 60 months60-Month Certificate · Promotional | $1,000 | Membership required · branches in CA, CO, TX, WA | 4.05% | October 22, 2026 Source text |
| Amplify Credit Union | 12 monthsCertificate of Deposit · Promotional | $500 | Membership required · branches in TX | 4.00% | October 22, 2026 Source text |
| Delta Community Credit Union | 12 monthsCertificate of Deposit · Standard | $1,000 | Membership required · branches in GA, KY, TX, UT | 4.00% | October 22, 2026 Source text |
| Wellby Financial | 18 monthsCertificate BUMP · Special | $1,000 | Membership required · branches in TX | 4.00% | October 22, 2026 Source text |
| Randolph-Brooks Federal Credit Union (RBFCU) | 18 monthsSuperSaver Certificate · Standard | $75,000 | Membership required · branches in TX | 3.91% | October 22, 2026 Source text |
| United Heritage Credit Union | 12 monthsCertificate of Deposit (CD) · Relationship | $1,000 | Membership required · branches in TX | 3.91% | October 22, 2026 Source text |
| Shell Federal Credit Union | 6 monthsShare Certificate · Standard | $50,000 | Membership required · branches in TX | 3.90% | October 22, 2026 Source text |
| Firstmark Credit Union | 11 monthsRegular CD · Promotional | $500 | Membership required · branches in TX | 3.85% | October 22, 2026 Source text |
| Velocity Credit Union | 12 months12 Month Certificate · Standard | $1,000 | Membership required · branches in TX | 3.85% | October 22, 2026 Source text |
| Texans Credit Union | 3 monthsCertificate of Deposit · Standard | $100,000 | Membership required · branches in TX | 3.70% | October 22, 2026 Source text |
| DCU (Digital Federal Credit Union) | 12 monthsRegular Certificate · Standard | $500 | Membership required · branches in 9 states | 3.50% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other Texas institutions we don't verify yet
These banks and credit unions serve Texas, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Bank OZK Bank · HQ Little Rock, AR We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on www.ozk.com
- Citibank Bank · HQ Sioux Falls, SD Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.citi.com
- Sunflower Bank Bank · HQ Dallas, TX We have not found a complete CD rate table on its website that we can verify daily. Checked October 22, 2026. Current rates on www.sunflowerbank.com
Compare with public benchmarks
The highest tracked quote is 5.35% APY for 9 months. The Treasury APY-equivalent for a similar term is 4.48% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Justice Federal Credit Union has the highest APY in this tracked sample of 28 institutions: 5.35% APY for 9 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes