Compare CDs
CDs offer a secure way to grow your savings. Choose from traditional or jumbo CDs for terms and returns that fit your needs.
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
1.74% - 4.41%
APY1
1.75% - 4.50%
Term Length | Interest Rate | APY1 |
---|---|---|
3 months | 1.74% | 1.75% |
6 months | 2.23% | 2.25% |
12 months | 4.41% | 4.50% |
18 months | 3.93% | 4.00% |
24 months | 3.88% | 3.95% |
30 months | 2.23% | 2.25% |
36 months | 2.28% | 2.30% |
48 months | 2.33% | 2.35% |
60 months | 2.37% | 2.40% |
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
1.88% - 4.55%
APY1
1.90% - 4.65%
Term Length | Interest Rate | APY1 |
---|---|---|
3 months | 1.88% | 1.90% |
6 months | 2.37% | 2.40% |
12 months | 4.55% | 4.65% |
18 months | 4.07% | 4.15% |
24 months | 4.02% | 4.10% |
30 months | 2.37% | 2.40% |
36 months | 2.42% | 2.45% |
48 months | 2.47% | 2.50% |
60 months | 2.52% | 2.55% |
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
1.74% - 4.41%
APY1
1.75% - 4.50%
Term Length | Interest Rate | APY1 |
---|---|---|
3 months | 1.74% | 1.75% |
6 months | 2.23% | 2.25% |
12 months | 4.41% | 4.50% |
18 months | 3.93% | 4.00% |
24 months | 3.88% | 3.95% |
30 months | 2.23% | 2.25% |
36 months | 2.28% | 2.30% |
48 months | 2.33% | 2.35% |
60 months | 2.37% | 2.40% |
Kids 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
1.74% - 4.41%
APY1
1.75% - 4.50%
Term Length | Interest Rate | APY1 |
---|---|---|
3 months | 1.74% | 1.75% |
6 months | 2.23% | 2.25% |
12 months | 4.41% | 4.50% |
18 months | 3.93% | 4.00% |
24 months | 3.88% | 3.95% |
30 months | 2.23% | 2.25% |
36 months | 2.28% | 2.30% |
48 months | 2.33% | 2.35% |
60 months | 2.37% | 2.40% |
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
1.74% - 4.41%
APY1
1.75% - 4.50%
Term Length | Interest Rate | APY1 |
---|---|---|
3 months | 1.74% | 1.75% |
6 months | 2.23% | 2.25% |
12 months | 4.41% | 4.50% |
18 months | 3.93% | 4.00% |
24 months | 3.88% | 3.95% |
30 months | 2.23% | 2.25% |
36 months | 2.28% | 2.30% |
48 months | 2.33% | 2.35% |
60 months | 2.37% | 2.40% |
Certificates of Deposit FAQ
- Allow the CD to auto-renew at the current rate and term length.
- Roll your CD balance into a new CD and select a different rate and term length. You should consider if a longer- or shorter-term length may be a better option, depending on your investment strategy.
- Withdraw your ending balance. If a CD is no longer part of your investment strategy, it may be worth withdrawing and placing the money in a different account or investment type.
What does CD stand for?
Are CDs a good investment?
Can I lose my money on a CD?
Are there any minimum or maximum opening amounts for CDs?
What is a 'term', and when will my CD mature?
What can you do with your CD once it matures?
You have three options when a Certificate of Deposit (CD) matures:
Can I cash in a CD before it matures?
What is the difference between a Standard CD and a Jumbo CD?
1APY = Annual Percentage Yield.
2Jumbo CDs earn 0.15% 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. Refer to your original CD Agreement for additional terms & conditions. A minimum balance is required to earn the advertised annual percentage yield. Fees may reduce earnings.