
Fast Forward CD
With a minimum deposit of $1,000, get 5.00% APY (Annual Percentage Yield) for 12 months*
Instead of waiting to enjoy your investment, fast forward to the good part and get your return as soon as you open your account.1

CD Rates by Term and Deposit Amount
With a minimum deposit of $1,000, get 5.00% Annual Percentage Yield (APY) for 6 months*
*The Annual Percentage Yields (APYs) are accurate as of May 1, 2023 and are subject to change.
CD accounts are term deposits that run as risk free investments
Get a personalized Texas CD account consultation.

What is a CD Account?
Save for six months. Save for a few years. Whatever time period you choose, certificates of deposit are a safe path to exceptional returns.
- Credit Union of Texas CD terms range from 6 to 60 months
- Start saving with a minimum opening deposit of $1,000
- Certificates earn more than most high interest savings accounts in Texas
- Our CD terms are tiered to hold the best bank or credit union CD rates
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to a Texas CD Specialist
972-263-9497

Credit Union of Texas CD Benefits Include
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Get a good look at where you are and where you're going next.
CD Interest Rate CalculatorGeneral Certificate of Deposit FAQs
Just make an appointment to visit your nearest Credit Union of Texas location. Our account specialists will help you choose which kind of CD you want to open and when you want your CD to mature. Then you fund your CD.
If you're opening an Educational IRA CD, you can start with $500. All other CDs and IRA CDs require a $1,000 initial deposit. The more you deposit in the CD and the longer until the maturity period, the more interest you will earn.
It's all automatic. Interest is compounded every month. When your CD matures, you can roll the full amount into a new CD or withdraw some or all of the funds.
Yes, there's a penalty for withdrawing your principal before the CD matures. And the earlier you withdraw, the larger the penalty. There only exceptions are death or disability of the holder, or if the holder reaches age 59 1/2 for IRAs.
Your CD will renew automatically, and you have a grace period of seven calendar days after renewal to withdraw your money without penalty.
Why CUTX?
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
2. The Annual Percentage Yields (APYs) are accurate as of April 14, 2023 and are subject to change. For new money only. New money is defined as money not currently on deposit with Credit Union of Texas.
3. You may withdraw all your money including dividend earned, without any penalties, any time after the first six (6) days following the date you funded your account. View the Truth in Savings document to see the penalties for early withdrawal and additional information.
*APY Annual Percentage Yield assumes interest remains on deposit until maturity and effective for the dates shown above, unless otherwise noted. A penalty may be imposed for early withdrawals. The interest rate on a Certificate of Deposit is fixed. Certificates of deposit renew automatically unless instructed by the depositor. Fees could reduce earnings. Interest is compounded daily and the interest is paid at maturity. CD rates are subject to change at any time and are not guaranteed until the CD is opened. Some exceptions may apply. A copy of the Truth in Savings Disclosure will be provided to you before you open your account or is available at any time upon request from a teller. Must meet membership and age requirements.