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Certificate of Deposit (CD)

Guaranteed returns for your short and long-term savings goals

Because we’re a not-for-profit financial cooperative, at TDECU you’re an owner, which means we pass the profits on to you in the form of lower fees and higher deposit rates.

When you put your money into a Certificate of Deposit, you are able to choose from our many term options and earn a fixed rate of return– it is a truly worry-free savings option.

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


TDECU’s Certificate of Deposit account offers:

  • Lower fees and higher deposit rates than those provided by traditional banks.
  • No additional deposit except at maturity.
  • Withdraw interest without penalty.
  • Dividends compounded and paid monthly.

Watch your money grow

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

*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 0.25% 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.
Fees could reduce earnings on accounts.
Bump-up option allows a one-time rate increase to TDECU’s current published CD rate for like term and is not valid on auto renewing CDs. To receive a bump-up rate increase, you must call or visit TDECU.
Terms and conditions subject to change; see Account Information & Truth in Savings Disclosure (pdf).

How much will you save 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