Velocity Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Velocity Credit Union's highest tracked CD (share certificate) rate is 3.85% APY on a 12-month CD ($1,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.85% APY.
Tracking began .
Velocity Credit Union CD & share certificate rates
Membership required. Short-term and standard share certificates from 91 days to 5 years ($1,000 minimum), Mini-Jumbo ($20,000) and Jumbo ($90,000) certificates. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | 3 Month Mini-Jumbo | $20,000 | 2.55% | −1.75% | Top 56% of tracked 91-day CDs · Verified October 22, 2026 |
| 3 months | 3 Month Jumbo | $90,000 | 2.55% | −1.75% | Top 56% of tracked 3-month CDs · Verified October 22, 2026 |
| 91 days | 3 Month Short Term Certificate | $1,000 | 2.50% | −1.79% | Top 60% of tracked 91-day CDs · Verified October 22, 2026 |
| 6 months | 6 Month Mini-Jumbo | $20,000 | 3.70% | −0.70% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Jumbo | $90,000 | 3.70% | −0.70% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Short Term Certificate | $1,000 | 3.65% | −0.75% | Top 38% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month Mini-Jumbo | $20,000 | 3.80% | −0.68% | Top 36% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month Short Term Certificate | $1,000 | 3.75% | −0.73% | Top 44% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Certificate | $1,000 | 3.85% | −0.72% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1 Year Jumbo | $90,000 | 3.80% | −0.77% | Top 37% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month Certificate | $1,000 | 3.85% | −0.87% | Top 35% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year Certificate | $1,000 | 3.85% | −1.02% | Top 29% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30 Month Certificate | $1,000 | 3.65% | −1.26% | Verified October 22, 2026 |
| 36 months | 3 Year Certificate | $1,000 | 3.65% | −1.30% | Top 32% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 Year Certificate | $1,000 | 3.65% | −1.33% | Top 28% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 Year Certificate | $1,000 | 3.60% | −1.41% | Top 33% 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.
What are Velocity Credit Union's best CD rates by term?
Velocity Credit Union's best rate is 3.85% APY on 12 months, verified October 22, 2026.
- 91 days2.55%
- 6 mo3.70%
- 9 mo3.80%
- 12 mo3.85%
- 18 mo3.85%
- 24 mo3.85%
- 30 mo3.65%
- 36 mo3.65%
- 48 mo3.65%
- 60 mo3.60%
How much interest could a Velocity 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.
$385.00 interest · $10,385.00 at maturity on $10,000.00.
3.85% APY · 12 months · 12 Month Certificate · Standard · 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 | $30.882.50% APY · 3 Month Short Term Certificate · Standard | $61.752.50% APY · 3 Month Short Term Certificate · Standard | $157.442.55% APY · 3 Month Mini-Jumbo · Standard | $314.882.55% APY · 3 Month Mini-Jumbo · Standard |
| 6 months | $90.683.65% APY · 6 Month Short Term Certificate · Standard | $181.363.65% APY · 6 Month Short Term Certificate · Standard | $459.573.70% APY · 6 Month Mini-Jumbo · Standard | $919.133.70% APY · 6 Month Mini-Jumbo · Standard |
| 9 months | $140.113.75% APY · 9 Month Short Term Certificate · Standard | $280.213.75% APY · 9 Month Short Term Certificate · Standard | $709.823.80% APY · 9 Month Mini-Jumbo · Standard | $1,419.653.80% APY · 9 Month Mini-Jumbo · Standard |
| 12 months | $192.503.85% APY · 12 Month Certificate · Standard | $385.003.85% APY · 12 Month Certificate · Standard | $962.503.85% APY · 12 Month Certificate · Standard | $1,925.003.85% APY · 12 Month Certificate · Standard |
| 18 months | $291.793.85% APY · 18 Month Certificate · Standard | $583.573.85% APY · 18 Month Certificate · Standard | $1,458.933.85% APY · 18 Month Certificate · Standard | $2,917.853.85% APY · 18 Month Certificate · Standard |
| 24 months | $392.413.85% APY · 2 Year Certificate · Standard | $784.823.85% APY · 2 Year Certificate · Standard | $1,962.063.85% APY · 2 Year Certificate · Standard | $3,924.113.85% APY · 2 Year Certificate · Standard |
| 30 months | $469.083.65% APY · 30 Month Certificate · Standard | $938.173.65% APY · 30 Month Certificate · Standard | $2,345.423.65% APY · 30 Month Certificate · Standard | $4,690.843.65% APY · 30 Month Certificate · Standard |
| 36 months | $567.733.65% APY · 3 Year Certificate · Standard | $1,135.453.65% APY · 3 Year Certificate · Standard | $2,838.633.65% APY · 3 Year Certificate · Standard | $5,677.273.65% APY · 3 Year Certificate · Standard |
| 48 months | $770.953.65% APY · 4 Year Certificate · Standard | $1,541.903.65% APY · 4 Year Certificate · Standard | $3,854.743.65% APY · 4 Year Certificate · Standard | $7,709.493.65% APY · 4 Year Certificate · Standard |
| 60 months | $967.183.60% APY · 5 Year Certificate · Standard | $1,934.353.60% APY · 5 Year Certificate · Standard | $4,835.883.60% APY · 5 Year Certificate · Standard | $9,671.753.60% APY · 5 Year Certificate · Standard |
How Velocity 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 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 147 of 413 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| Velocity Credit Union (this institution)12 Month Certificate · Standard | 12 months | $1,000 | Membership required · branches in TX | 3.85% | October 22, 2026 |
| T Bank (Dallas)CD · Standard | 12 months | $1,000 | Branches in TX | 4.70% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 12 months | $100,000 | Membership required · branches in TX | 4.65% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Velocity Credit Union on October 22, 2026.
About Velocity Credit Union
- Legal name
- Velocity Credit Union
- Regulator ID
- NCUA 68359
- Headquarters
- Austin, TX
- Available in
- TX
- Total assets
- $1.1 billion
- Also known as
- Website
- www.velocitycu.com
Source: rates read from https://www.velocitycu.com/rates/savings-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Velocity Credit Union?
Among the rates we track, 3.85% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Velocity Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $90,000.
How does Velocity Credit Union's best CD rate compare with Treasury yields?
3.85% APY is −0.72% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.85% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% 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 Velocity Credit Union CDs insured?
Velocity Credit Union is a federally insured credit union (NCUA 68359). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Velocity 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 Velocity 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 Velocity Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Velocity Credit Union before opening an account. This page is not financial advice.