--- title: "Texas Credit Union CD Rates" description: "Best observed APY: 4.55% at Neches Credit Union across 20 credit unions. Compare cd rates from Texas credit unions using published credit union APY, median yield, market spread, and observation counts. APY is yield, not loan APR. No affiliate ranking." canonical: "https://rateapi.dev/cd-rates/texas" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # Texas Credit Union CD Rates Published credit union deposit data # Texas Credit Union CD Rates — up to 4.55% APY, October 2026 Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks. Get a Free API Key [Deposit rate API](https://rateapi.dev/deposit-rates) Deposits quote APY, not APR. Higher APY earns more, but eligibility, balance tiers, fees, and withdrawal terms still matter. [Home](https://rateapi.dev/) [Deposit Rates](https://rateapi.dev/deposit-rates) [CD Rates](https://rateapi.dev/cd-rates) Texas Live proprietary benchmark ## What published credit union APYs show now Higher is better for deposit APY. Counts are qualifying published observations, not account recommendations or affiliate offers. Best observed APY **4.55%** Highest qualifying published yield Median APY **3.50%** Middle observed rate Market spread **255 bps** 2.00% to 4.55% Credit unions **20** Institutions in this aggregate Rate observations **125** Qualifying published rows Data timestamp: Oct 9, 2026, 9:02 PM UTC . [See the collection and ranking methodology](https://rateapi.dev/methodology) . How to read this page ## CD Rates from Texas credit unions are compared by APY A certificate of deposit locks funds for a stated term in exchange for a fixed yield. Credit unions may offer a similar product called a share certificate, but this live aggregate is deliberately limited to rows classified exactly as CDs. The term pages never blend unlike maturities. This page groups rates by institutions whose recorded home state is **Texas** . It does not assert that every account is available statewide; membership and account eligibility still vary by institution. ## Compare beyond headline APY - Confirm membership and geography eligibility. - Check minimum and maximum balance tiers. - For CDs, compare early-withdrawal penalties and renewal rules. - Separate promotional APY from the standard ongoing yield. Explore the deposit market ## Compare products without mixing unlike yields [**CD Rates from Texas credit unions** Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks.](https://rateapi.dev/cd-rates/texas) [**Savings Rates from Texas credit unions** Compare current credit union savings APY with nationwide and state-level market benchmarks.](https://rateapi.dev/savings-rates/texas) [**Money Market Rates from Texas credit unions** Compare current credit union money market APY with nationwide and state-level market benchmarks.](https://rateapi.dev/money-market-rates/texas) [12-Month CDs](https://rateapi.dev/cd-rates/terms/12-month) [24-Month CDs](https://rateapi.dev/cd-rates/terms/24-month) [36-Month CDs](https://rateapi.dev/cd-rates/terms/36-month) [60-Month CDs](https://rateapi.dev/cd-rates/terms/60-month) [Houston CD rates](https://rateapi.dev/cd-rates/texas/houston) [San Antonio CD rates](https://rateapi.dev/cd-rates/texas/san-antonio) [Dallas CD rates](https://rateapi.dev/cd-rates/texas/dallas) [Austin CD rates](https://rateapi.dev/cd-rates/texas/austin) [Fort Worth CD rates](https://rateapi.dev/cd-rates/texas/fort-worth) [El Paso CD rates](https://rateapi.dev/cd-rates/texas/el-paso) [Arlington CD rates](https://rateapi.dev/cd-rates/texas/arlington) [Corpus Christi CD rates](https://rateapi.dev/cd-rates/texas/corpus-christi) [Texarkana CD rates](https://rateapi.dev/cd-rates/texas/texarkana) [Amarillo CD rates](https://rateapi.dev/cd-rates/texas/amarillo) [Waco CD rates](https://rateapi.dev/cd-rates/texas/waco) [Wichita Falls CD rates](https://rateapi.dev/cd-rates/texas/wichita-falls) [Beaumont CD rates](https://rateapi.dev/cd-rates/texas/beaumont) [Midland CD rates](https://rateapi.dev/cd-rates/texas/midland) [Odessa CD rates](https://rateapi.dev/cd-rates/texas/odessa) [San Angelo CD rates](https://rateapi.dev/cd-rates/texas/san-angelo) [Tyler CD rates](https://rateapi.dev/cd-rates/texas/tyler) [Abilene CD rates](https://rateapi.dev/cd-rates/texas/abilene) [Deer Park CD rates](https://rateapi.dev/cd-rates/texas/deer-park) [Lufkin CD rates](https://rateapi.dev/cd-rates/texas/lufkin) [Big Spring CD rates](https://rateapi.dev/cd-rates/texas/big-spring) [Irving CD rates](https://rateapi.dev/cd-rates/texas/irving) [Laredo CD rates](https://rateapi.dev/cd-rates/texas/laredo) [Longview CD rates](https://rateapi.dev/cd-rates/texas/longview) [Palestine CD rates](https://rateapi.dev/cd-rates/texas/palestine) [Pasadena CD rates](https://rateapi.dev/cd-rates/texas/pasadena) [Sugar Land CD rates](https://rateapi.dev/cd-rates/texas/sugar-land) [Temple CD rates](https://rateapi.dev/cd-rates/texas/temple) [Victoria CD rates](https://rateapi.dev/cd-rates/texas/victoria) [Bay City CD rates](https://rateapi.dev/cd-rates/texas/bay-city) [Brownwood CD rates](https://rateapi.dev/cd-rates/texas/brownwood) [Dumas CD rates](https://rateapi.dev/cd-rates/texas/dumas) [Edna CD rates](https://rateapi.dev/cd-rates/texas/edna) [Grand Prairie CD rates](https://rateapi.dev/cd-rates/texas/grand-prairie) [Groves CD rates](https://rateapi.dev/cd-rates/texas/groves) [Humble CD rates](https://rateapi.dev/cd-rates/texas/humble) [Kerrville CD rates](https://rateapi.dev/cd-rates/texas/kerrville) [Killeen CD rates](https://rateapi.dev/cd-rates/texas/killeen) [La Porte CD rates](https://rateapi.dev/cd-rates/texas/la-porte) [Lubbock CD rates](https://rateapi.dev/cd-rates/texas/lubbock) [Mcallen CD rates](https://rateapi.dev/cd-rates/texas/mcallen) [Pampa CD rates](https://rateapi.dev/cd-rates/texas/pampa) [Paris CD rates](https://rateapi.dev/cd-rates/texas/paris) [Plano CD rates](https://rateapi.dev/cd-rates/texas/plano) [Port Arthur CD rates](https://rateapi.dev/cd-rates/texas/port-arthur) [Richardson CD rates](https://rateapi.dev/cd-rates/texas/richardson) [Rusk CD rates](https://rateapi.dev/cd-rates/texas/rusk) [Wharton CD rates](https://rateapi.dev/cd-rates/texas/wharton) [Garland CD rates](https://rateapi.dev/cd-rates/texas/garland) [Brownsville CD rates](https://rateapi.dev/cd-rates/texas/brownsville) [McKinney CD rates](https://rateapi.dev/cd-rates/texas/mckinney) [Frisco CD rates](https://rateapi.dev/cd-rates/texas/frisco) [Mesquite CD rates](https://rateapi.dev/cd-rates/texas/mesquite) [Carrollton CD rates](https://rateapi.dev/cd-rates/texas/carrollton) [Round Rock CD rates](https://rateapi.dev/cd-rates/texas/round-rock) [Lewisville CD rates](https://rateapi.dev/cd-rates/texas/lewisville) [College Station CD rates](https://rateapi.dev/cd-rates/texas/college-station) [Pearland CD rates](https://rateapi.dev/cd-rates/texas/pearland) [Allen CD rates](https://rateapi.dev/cd-rates/texas/allen) [League City CD rates](https://rateapi.dev/cd-rates/texas/league-city) [Edinburg CD rates](https://rateapi.dev/cd-rates/texas/edinburg) [Baytown CD rates](https://rateapi.dev/cd-rates/texas/baytown) National context ## National CD rate context Zoom out from state and term pages to the national picture and our cross-product benchmark. Current CD Rates → Today's CD and share certificate APYs across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank CD Rates → Live credit union CD medians against FDIC national bank averages. Methodology ## Evidence first, no invented rates The live module comes from benchmark mode on `POST /v1/deposit-rates` . RateAPI validates the returned product, state, and term against the requested page, requires a real upstream `as_of` timestamp, and withholds the module when the aggregate is empty, thin, malformed, or unavailable. Generic savings benchmarks compare tiers applicable at a $10,000 balance and keep explicitly restricted or specialty/seasonal products out of headline rankings while retaining them as contextual listings. Read the full [RateAPI methodology](https://rateapi.dev/methodology) or inspect the [deposit API contract](https://rateapi.dev/deposit-rates) . FAQ ## Questions about CD Rates from Texas credit unions It summarizes published credit union certificate of deposit APY that passes RateAPI's current-data and product-category filters. The live module reports the highest APY, median APY, full observed spread, rate-row count, institution count, and upstream data timestamp. Deposit accounts quote APY, or annual percentage yield, which includes compounding. APR describes borrowing cost. RateAPI never relabels a deposit yield as loan APR. No. APY is one comparison input. Minimum balance, membership eligibility, term, withdrawal limits, early-withdrawal penalties, tiers, and promotional conditions can change whether an account fits a saver. What does the CD Rates from Texas credit unions benchmark measure? Are cd rates quoted as APY or APR? Does the highest APY mean the account is best for everyone? RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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