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Certificate of Deposit (CD)

Guaranteed returns for your short and long-term savings goals

As a TDECU Member, you are offered higher CD rates than you would at a bank, since profits are passed along to you instead of corporate stockholders.

Benefits of TDECU CD accounts:

  • Higher deposit rates than those provided by traditional banks.

  • Withdraw interest without penalty.

  • Low opening balance.
    Open with as little as $1,000.

  • Insured by the NCUA.

Watch your money grow

Our CDs provide you the flexibility and competitive, guaranteed returns that you are looking for.

Effective date: 03/23/2020

Certificate of Deposit (CD)

Term APY* Interest Rate
3 Months 0.40% 0.40%
6 Months 0.60% 0.60%
12 Months 0.75% 0.75%
18 Months 0.90% 0.90%
24 Months 1.20% 1.19%
30 Months 1.50% 1.49%
36 Months 1.50% 1.49%
48 Months 1.55% 1.54%
60 Months 1.60% 1.59%

*APY = Annual Percentage Yield

Minimum opening deposits are as follows:
Standard CD $1,000
M3 Money Club CD $100
Elements Teen Club CD $100
Jumbo CD $100,000

Jumbo CDs earn 0.15% interest rate above the Standard CD interest rate when opened new or at renewal. A penalty will be imposed for CD withdrawals made before maturity. Refer to TDECU's Account Information & Truth in Savings brochures for additional terms & conditions. To open an IRA CD, please visit your nearest Member Center or call Member Care at (800) 839-1154

How much will you earn with a TDECU CD?

Estimate how your savings will grow in a TDECU Certificate of Deposit. You can even input competitor certificate information to ensure you are getting the best rate of return!

CD earnings calculator

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