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Earn up to 3.75% APY 1

Certificates of Deposit (CDs)
Earn up to 3.75% APY1

CDs offer secure, guaranteed returns. Explore our diverse CD options to see how you can grow your savings.

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How to acquire a CD with TDECU

1. Become a Member

1. Become a Member

Become a Member of TDECU with your personal information such as ZIP code.

2. Choose your CD

2. Choose your CD

Choose a CD that best fits your needs and financial goals and apply from the options below.

3. Transfer money

3. Transfer money

Transfer money to your new TDECU CD account.

4. Sit back

4. Sit back

Relax for the term of your CD and earn interest on your money.

Compare CDs

CDs offer a secure way to grow your savings. Choose from standard, IRA, or Kids Club and Teens CDs for terms and returns that fit your needs.

Standard CDs IRA CDs Kids Club and Teens Account CDs

Standard CDs

A low-risk savings tool with various term lengths that typical earns more than a savings account.

  • $1,000.00 Opening Deposit
  • 3 to 60 Month Term

Interest Rate

1.74% - 3.69%

APY1

1.75% - 3.75%

Term Length Interest Rate APY1
3 months 1.74% 1.75%
6 months 2.23% 2.25%
12 months 3.69% 3.75%
18 months 3.45% 3.50%
24 months 3.20% 3.25%
30 months 2.23% 2.25%
36 months 2.28% 2.30%
48 months 2.33% 2.35%
60 months 2.37% 2.40%

Bonus Rate

Opening Deposit APY
$1,000.00 – $49,999.99 Base Rate2
$50,000.00 – $99,999.99 Base Rate + 0.15%
$100,000.00 and more Base Rate + 0.25%
   

IRA CDs

A certificate of deposit that offers a secure way to invest a portion of your tax-advantaged TDECU IRA funds.

  • $1,000.00 Opening Deposit
  • 3 - 60 Month Term

Interest Rate

1.74% - 3.69%

APY1

1.75% - 3.75%

Term Length Interest Rate APY1
3 months 1.74% 1.75%
6 months 2.23% 2.25%
12 months 3.69% 3.75%
18 months 3.45% 3.50%
24 months 3.20% 3.25%
30 months 2.23% 2.25%
36 months 2.28% 2.30%
48 months 2.33% 2.35%
60 months 2.37% 2.40%

Bonus Rate

Opening Deposit APY
$1,000.00 – $49,999.99 Base Rate2
$50,000.00 – $99,999.99 Base Rate + 0.15%
$100,000.00 and more Base Rate + 0.25%
   

Kids Club and Teens CDs

A Certificate of Deposit (CD) designed for kids ages 4‑12 and teens ages 13‑18 to teach them the value of long-term investments.

  • $100.00 Opening Deposit
  • 3 - 60 Month Term

Interest Rate

1.74% - 3.69%

APY1

1.75% - 3.75%

Term Length Interest Rate APY1
3 months 1.74% 1.75%
6 months 2.23% 2.25%
12 months 3.69% 3.75%
18 months 3.45% 3.50%
24 months 3.20% 3.25%
30 months 2.23% 2.25%
36 months 2.28% 2.30%
48 months 2.33% 2.35%
60 months 2.37% 2.40%

Bonus Rate

Opening Deposit APY
$100.00 – $49,999.99 Base Rate2
$50,000.00 – $99,999.99 Base Rate + 0.15%
$100,000.00 and more Base Rate + 0.25%
   

Certificates of Deposit FAQ

What does CD stand for?
CD is short for a “Certificate of Deposit,” a low-risk, fixed-rate investment.

Are CDs a good investment?
Certificates of Deposit (CDs) can be an excellent savings option for anyone wanting stability and guaranteed growth. Certificates of Deposit, or CDs, are a low-risk investment and are insured up to $250,000 by the NCUA. CDs also offer higher returns than traditional savings accounts, with a predictable return that is agreed upon at the opening of the Certificate of Deposit. CDs also have various terms ranging from 3 months to 5 years, allowing you to decide how long you want your money to accrue interest.

Can I lose my money on a CD?
Certificates of Deposits are backed by the National Credit Union Administration, a Federal agency. The standard insured amount is $250,000 per depositor, per insured bank or credit union, for each account category.

Are there any minimum or maximum opening amounts for CDs?

The minimum balance to open and maintain a standard TDECU Certificate of Deposit is $1,000. This is the same for an IRA CD. TDECU offers Kids Club and Teens CDs for as little as $100. There is no maximum for a CD, but the National Credit Union Administration (NCUA) will insure up to a maximum of $250,000.

What is a 'term', and when will my CD mature?
Term is the length of time of an investment. TDECU CDs range in term length from 3 months to 60 months. Your Certificate of Deposit will mature at the end of your selected fixed term. For example, if you choose a 3-month term, it would mature at the end of those 3 months, or a 60-month term would mature in 60 months.

What can you do with your CD once it matures?

You have three options when a Certificate of Deposit (CD) matures:

  • Allow the CD to auto-renew at the current rate and term length.
  • Roll your CD balance into a new CD and select a different rate and term length. You should consider if a longer- or shorter-term length may be a better option, depending on your investment strategy.
  • Withdraw your ending balance. If a CD is no longer part of your investment strategy, it may be worth withdrawing and placing the money in a different account or investment type.
Refer to your original CD Agreement for additional terms & conditions.

Can I cash in a CD before it matures?
Although it is NOT recommended you may withdraw your deposit before the maturity date; BUT you will incur an early withdrawal penalty. Typically, your agreement states that you agree to maintain your CD deposit for a specified term. For doing so, TDECU pays interest on your deposit. Refer to TDECU's Member Handbook & Truth in Savings brochures for additional terms and conditions.

1APY = Annual Percentage Yield.

2Base Rate = Published rate based on opening deposit tier.

An early withdrawal penalty will be imposed for CD withdrawals made before maturity. Refer to your original CD Agreement for additional terms & conditions. A minimum balance is required to earn the advertised annual percentage yield. Fees may reduce earnings.


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