# Texas Trust Credit Union CD and share certificate rates

As of October 23, 2026, Texas Trust Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on a 15-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.09% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/texas-trust-credit-union
Institution: Texas Trust Credit Union (NCUA 68434)
Aliases: 
Status: live
Last verified: 2026-10-23T11:35:40.000Z (October 23, 2026)
Official source: https://www.texastrustcu.org/about/current-rates/current-cd-rates
Coverage: Membership required. Standard, promotional, flex and jumbo certificates have different deposit requirements. Youth offers require age under 18, senior offers age over 54, and public-servant offers separate qualification. Promotional new-money requirements apply. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo CD | standard | 3 months | $98,000 | 3.51% | Not ZIP-priced | −0.75% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Mini Jumbo CD | standard | 3 months | $50,000 | 3.45% | Not ZIP-priced | −0.81% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 3 months | $500 | 3.40% | Not ZIP-priced | −0.86% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Jumbo CD | standard | 6 months | $98,000 | 3.97% | Not ZIP-priced | −0.37% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Mini Jumbo CD | standard | 6 months | $50,000 | 3.92% | Not ZIP-priced | −0.42% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 6 months | $500 | 3.87% | Not ZIP-priced | −0.47% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 6 months | $5,000 | 3.71% | Not ZIP-priced | −0.63% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Featured Promo CD | promotional | 7 months | $500 | 4.15% | Not ZIP-priced | −0.21% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Public Servant CD - Jumbo CD | special | 9 months | Not stated | 4.15% | Not ZIP-priced | −0.25% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Public Servant CD - Mega Flex CD | special | 9 months | Not stated | 4.05% | Not ZIP-priced | −0.35% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Jumbo CD | standard | 12 months | $98,000 | 4.05% | Not ZIP-priced | −0.41% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 12 months | $5,000 | 4.00% | Not ZIP-priced | −0.46% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Mini Jumbo CD | standard | 12 months | $50,000 | 4.00% | Not ZIP-priced | −0.46% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Youth (Smart Start) CD | special | 12 months | $100 | 3.95% | Not ZIP-priced | −0.51% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 12 months | $500 | 3.95% | Not ZIP-priced | −0.51% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Featured Promo CD | promotional | 13 months | $500 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Featured Promo CD | promotional | 15 months | $500 | 4.40% | Not ZIP-priced | −0.12% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Senior CD | special | 15 months | $10,000 | 3.23% | Not ZIP-priced | −1.29% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 24 months | $500 | 3.55% | Not ZIP-priced | −1.15% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 24 months | $5,000 | 3.39% | Not ZIP-priced | −1.31% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.03% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 36 months | $5,000 | 3.60% | Not ZIP-priced | −1.18% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.56% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 48 months | $5,000 | 3.14% | Not ZIP-priced | −1.67% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Term Share | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.59% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |
| Flex CD | standard | 60 months | $5,000 | 3.09% | Not ZIP-priced | −1.75% | 2026-10-23T11:35:40.000Z | [Snapshot 1025](https://apyledger.com/snapshots/1025) |

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.