Certificates of Deposit (CDs)
A reliable investment with guaranteed returns
Choose your CD
TDECU offers a variety of CDs, giving you more options to build your savings:
- Standard CDs with an opening deposit starting at $1,000
- IRA CDs available to our Members with TDECU IRAs
- Jumbo CDs that earn 0.15% above the standard CD rate
- CDs for kids and teens, for as little as $100
Grow your savings at a higher interest rate
A certificate of deposit (CD) is a secured time deposit, where money stays in your account for a selected amount of time, earning a promised return. CDs are not only a reliable and secure way to invest your money, but also offer higher interest rates than a regular savings account.
As a TDECU Member, you are offered higher CD rates than you would receive at most big banks. And with multiple CD options and terms, we are confident you will find the right CD to fit your financial goals. Open a CD today and start watching your hard-earned savings grow.
TDECU Certificates of Deposit feature these benefits:
to
1.50%
APY1
3 to 60
Month Terms
to
$250,000
Insured by the NCUA
Compare CDs
Choose the CD that supports your savings goals.
Standard CDs
A low-risk savings tool with various term lengths that typical earns more than a savings account.
- $1,000 Opening Deposit
- 3 to 60 Month Term
Interest Rate
0.30% - 1.49%
APY1
0.30% - 1.50%
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.30% | 0.30% |
| 6 months | 0.50% | 0.50% |
| 12 months | 0.70% | 0.70% |
| 18 months | 0.85% | 0.85% |
| 24 months | 1.00% | 1.00% |
| 30 months | 1.00% | 1.00% |
| 36 months | 1.24% | 1.25% |
| 48 months | 1.49% | 1.50% |
| 60 months | 1.34% | 1.35% |
Jumbo CDs
A Jumbo CD2 is a certificate of deposit that requires an initial deposit greater than $100,000.
- $100,000 Opening Deposit
- 3 - 60 Month Term
- Jumbo CDs earn 0.15% interest rate above the Standard CD interest rate when opened new or at renewal.
Interest Rate
0.45% - 1.64%
APY1
0.45%-1.65%
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.45% | 0.45% |
| 6 months | 0.65% | 0.65% |
| 12 months | 0.85% | 0.85% |
| 18 months | 1.00% | 1.00% |
| 24 months | 1.14% | 1.15% |
| 30 months | 1.14% | 1.15% |
| 36 months | 1.39% | 1.40% |
| 48 months | 1.64% | 1.65% |
| 60 months | 1.49% | 1.50% |
IRA CDs
A certificate of deposit that offers a secure way to invest a portion of your tax-advantaged TDECU IRA funds.
- $1,000 Opening Deposit
- 3 - 60 Month Term
Interest Rate
0.30% - 1.49%
APY1
0.30% - 1.50%
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.30% | 0.30% |
| 6 months | 0.50% | 0.50% |
| 12 months | 0.70% | 0.70% |
| 18 months | 0.85% | 0.85% |
| 24 months | 1.00% | 1.00% |
| 30 months | 1.00% | 1.00% |
| 36 months | 1.24% | 1.25% |
| 48 months | 1.49% | 1.50% |
| 60 months | 1.34% | 1.35% |
M3 Money Club CDs
A Certificate of Deposit (CD) designed for kids ages 4 to 12 to teach them the value of long-term investments.
- $100.00 Opening Deposit
- 3 - 60 Month Term
Interest Rate
0.30% - 1.49%
APY1
0.30% - 1.50%
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.30% | 0.30% |
| 6 months | 0.50% | 0.50% |
| 12 months | 0.70% | 0.70% |
| 18 months | 0.85% | 0.85% |
| 24 months | 1.00% | 1.00% |
| 30 months | 1.00% | 1.00% |
| 36 months | 1.24% | 1.25% |
| 48 months | 1.49% | 1.50% |
| 60 months | 1.34% | 1.35% |
Elements Teen Club CDs
A certificate of deposit designed for teens ages 13 to 17 who want a low-risk, higher yield savings account.
- $100.00 Opening Deposit
- 3 - 60 Month Term
Interest Rate
0.30% - 1.49%
APY1
0.30% - 1.50%
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.30% | 0.30% |
| 6 months | 0.50% | 0.50% |
| 12 months | 0.70% | 0.70% |
| 18 months | 0.85% | 0.85% |
| 24 months | 1.00% | 1.00% |
| 30 months | 1.00% | 1.00% |
| 36 months | 1.24% | 1.25% |
| 48 months | 1.49% | 1.50% |
| 60 months | 1.34% | 1.35% |
Advantages and benefits of a TDECU Certificate of Deposit
From competitive rates to flexible terms, a TDECU CD offers guaranteed returns.
Low minimum deposit
Invest with as little as $1,000.
Withdraw interest without penalty
Spend your interest when and how you see fit.
Certificate of Deposit Calculator
How much interest will you earn from a TDECU CD?
Ready to get started?
Members can open a CD online, in person, or over the phone.
- Open your CD online - Apply Now
- Visit a Member Center - Find a Location
- Give us a call - (800) 839-1154
2Jumbo CDs earn an 0.15% interest rate above the Standard CD interest rate when opened new or at renewal.
3Our financial calculators are provided as a free service to our members. The information supplied by these calculators is from various sources based on calculations we believe to be reliable (but are not guaranteed, explicit or implied) regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. TDECU does not accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator constitutes acceptance of the terms of this agreement. TDECU recommends you find a qualified professional for advice with regards to your personal finance issues.
An early withdrawal penalty will be imposed for CD withdrawals made before maturity. Refer to TDECU's Member Handbook & Truth in Savings brochures for additional terms & conditions.
