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Certificate of deposit (CD)

Guaranteed returns. Higher interest rates.
A variety of term options.

Higher returns on your hard-earned savings


Tired of big banks paying almost nothing on your certificate of deposit? Try something new! A TDECU Certificate of deposit gives you the returns you deserve because profits are passed along to our Members, not shareholders on Wall Street.

Plus you can get started with as little as $1,000! To begin, simply choose your term, fund the CD and start earning today!

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.

Certificate of deposit earnings calculator

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Watch your money grow

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

Effective date: 04/13/2020

Today's certificate of deposit (CD) rates

Term APY* Interest Rate
3 Months 0.40% 0.40%
6 Months 0.60% 0.60%
12 Months 0.70% 0.70%
18 Months 0.75% 0.75%
24 Months 0.80% 0.80%
30 Months 0.85% 0.85%
36 Months 0.90% 0.90%
48 Months 0.95% 0.95%
60 Months 1.00% 1.00%

*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

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