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Certificate of deposit (CD)

Certificate of deposit (CD)

Guaranteed returns and higher interest rates for your savings goals.

Higher returns on your hard-earned savings

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

Find some of the best CD rates in a variety of terms with a lower initial deposit than most national banks and earn more per term that you ever could with a traditional savings account. Open a new CD account with TDECU today and start watching your hard-earned savings grow.

Benefits of a TDECU Certificate of Deposit

Flexible maturity dates

Choose terms ranging from 3 to 60 months

Withdraw interest without penalty

Spend your interest when and how you see fit

Low minimum deposit

Open with as little as $1,000

Insured by NCUA

Funds are insured up to $250,000 by NCUA

What is a certificate of deposit (CD)?


A certificate of deposit is a secured time deposit, where money stays in the your account for a selected amount of time earning a promised return. A certificate of deposit is federally insured by NCUA and typically earns more interest than a savings account.

A jumbo certificate of deposit is a CD with an initial deposit greater than $100,000. Jumbo CDs earn an additional 0.15% APY* above our standard CD rates.

How much will you earn with a TDECU CD?

Estimate how your savings will grow in a TDECU Certificate of Deposit over a certain amount of time. You can even input competitor bank CD information to ensure you are getting the best rate of return over the same period of time!

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Watch your money grow

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

Start earning some the best CD rates today when you open a new certificate of deposit account with TDECU. CD rates as high as 1%! CD rates increase with longer terms.

Effective date: 02/21/2021

Today's certificate of deposit (CD) rates

Term APY* Interest Rate
3 Months 0.30% 0.30%
6 Months 0.50% 0.50%
12 Months 0.60% 0.60%
18 Months 0.65% 0.65%
24 Months 1.00% 1.00%
30 Months 0.75% 0.75%
36 Months 1.25% 1.24%
48 Months 0.85% 0.85%
60 Months 0.90% 0.90%

*APY = Annual Percentage Yield

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

Jumbo CDs earn an 0.15% interest rate above the Standard CD interest rate when opened new or at renewal. An early withdrawal penalty will be imposed for CD withdrawals made before maturity. Minimum balance equal to or greater than opening deposit amount required. Refer to TDECU's Member Handbook & 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

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