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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: 08/01/2019

Certificate of Deposit (CD) Rates

Term APY* Interest Rate
3 Months 0.55% 0.55%
6 Months 1.25% 1.24%
12 Months - LIMITED-TIME PROMOTIONAL RATE 2.20% 2.18%
24 Months 1.65% 1.64%
36 Months 1.75% 1.74%
48 Months 2.00% 1.98%
60 Months 2.25% 2.23%

*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. 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. Bump-up option not valid on auto renewing or promotional CDs. Refer to TDECU's Account Information & Truth in Savings brochures for additional terms & conditions.

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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