# Texans Credit Union CD and share certificate rates

As of October 22, 2026, Texans Credit Union's highest tracked CD (share certificate) rate is 3.70% APY on a 3-month CD ($100,000 minimum). That is 3.2 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 3.50% to 3.70% APY.

Canonical page: https://apyledger.com/cd-rates/texans-credit-union
Institution: Texans Credit Union (NCUA 60806)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:24.000Z (October 22, 2026)
Official source: https://www.texanscu.org/rates/certificate-accounts
Coverage: Membership required. Certificates from 3 to 60 months with $500–$99,999.99 and $100,000+ balance tiers. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $100,000 | 3.70% | Not ZIP-priced | −0.59% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 3 months | $500 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 6 months | $100,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 12 months | $100,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 18 months | $100,000 | 3.70% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 18 months | $500 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 24 months | $100,000 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 36 months | $100,000 | 3.70% | Not ZIP-priced | −1.25% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 48 months | $100,000 | 3.70% | Not ZIP-priced | −1.28% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 60 months | $100,000 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |
| Certificate of Deposit | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:25:24.000Z | [Snapshot 408](https://apyledger.com/snapshots/408) |

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.