A safe, secure investment with guaranteed returns
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 rate2
- CDs for kids and teens, for as little as $100
Learn More
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:
Up
to
4.75%
APY1
3 to 60
Month Terms
Up
to
$250,000
Insured by the NCUA
Compare CDs
Choose the CD that supports your savings goals.
Standard CDs Jumbo CDs IRA CDs Kids Club CD Teen Account CD
Standard CDs
A low-risk savings tool with various term lengths that typical earns more than a savings account.
- $1,000Opening Deposit
- 3 to 60 Month Term
Interest Rate
1.74% - 4.65%
APY1
1.75% - 4.75%
| 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 | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 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.
- $100,000Opening 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% - 4.80%
APY1
1.90% - 4.90%
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| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 1.88% | 1.90% |
| 6 months | 2.37% | 2.40% |
| 12 months | 4.56% | 4.65% |
| 18 months | 4.80% | 4.90% |
| 24 months | 4.32% | 4.40% |
| 30 months | 2.37% | 2.40% |
| 36 months | 2.42% | 2.45% |
| 48 months | 2.47% | 2.50% |
| 60 months | 2.52% | 2.55% |
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IRA CDs
A certificate of deposit that offers a secure way to invest a portion of your tax-advantaged TDECU IRA funds.
- $1,000Opening Deposit
- 3 - 60 Month Term
Interest Rate
1.74% - 4.65%
APY1
1.75% - 4.75%
| 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 | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
M3 Money Club CDs
A Certificate of Deposit (CD) designed for kids ages 4 to 12to teach them the value of long-term investments.
- $100.00 Opening Deposit
- 3 - 60 Month Term
Interest Rate
1.74% - 4.65%
APY1
1.75% - 4.75%
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| 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 | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
Find a Location
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
1.74% - 4.65%
APY1
1.75% - 4.75%
Find a Location
| Term Length | Interest Rate | APY1 |
|---|---|---|
| 3 months | 1.74% | 1.75% |
| 6 months | 2.23% | 2.25% |
| 12 months | 4.50% | 4.41% |
| 18 months | 4.65% | 4.75% |
| 24 months | 4.17% | 4.25% |
| 30 months | 2.23% | 2.25% |
| 36 months | 2.28% | 2.30% |
| 48 months | 2.33% | 2.35% |
| 60 months | 2.37% | 2.40% |
Find a Location
Advantages and benefits of a TDECU Certificate of Deposit
From competitive rates to flexible terms, a TDECU CD offers safe, secure, guaranteedreturns.
Low minimum deposit
Invest with as little as $1,000.
Withdraw interest without penalty
Spend your interest when and how you see fit.
Safe and secure
Funds up to $250,000 are insured by the National Credit Union Administration.
Certificate of Deposit Calculator
How much interest will you earn from a TDECU CD?
Determine which TDECU CD will help you reach your savings goals by using our calculator3.This calculator can estimate how much your investment will grow over a certain amount of time. You can also use it to estimate CD earnings from another bank or credit union to ensure you are getting the best rate of return over the term.
Results
Certificates of Deposit FAQ
- The first option is to renew your CD at the same rate and term length.
- The second option is to roll yourCD balance intoa new CD and select a different rate and term length. Depending on your investment strategy, a longer- or shorter-term length may be more valuable.
- The third option is to 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.
CD is short for a โCertificate of Deposit,โ a low-risk, fixed-rate investment.
Certificates of Deposit (CDs) can be an excellent savings option for anyone wanting stability and guaranteed growth. Certificates of Deposits, or CDs, are a low-risk investment. The NCUA insures CDs up to $250,000, so there is no risk of losing your investment in a CD up to that amount. CDs also offer higher returns than traditional savings accounts, with a predictable return that is agreed upon at the opening of the Certificate of Deposit. CDs also have various terms ranging from 3 months to 5 years, allowing you to decide how long you want your money to accrue interest.
The standard insured amount is $250,000per member,per credit union, for each accountownership.Certificates of Depositare backed by the National Credit Union Administration soyour money is not at risk up to $250,000.
The standard insured amount is $250,000 per depositor, per insured bank or credit union, for each account. Since Certificate of Deposits are backed by the federal government and National Credit Union Administration, your money is not at risk up to $250,000.
The minimumbalance to open and maintaina TDECU Certificate of Deposit is $1,000. There is no maximum for a CD, but the National Credit Union Administration will insure a maximum of $250,000. TDECU also offersyouthand teen CDs for as little as$100.
Your Certificate of Deposit will mature at the end of your selected fixed term. If you selected a 3-month term, it would mature in 3 months. A 60-month term would mature in 60 months.
There are three major optionsto choose from when a Certificate of Deposit matures:
Refer to youroriginal CD Agreement foradditional terms & conditions.
When you open your CD, you agree to keep your money on deposit for a certain term. TDECU pays interest on your deposit in exchange for keeping your money in your CD during that timeframe.Although we do not recommend doing so, you may withdraw your deposit before maturity, but you will incur an early withdrawal penalty. Refer tofor additional terms & conditions.
Jumbo CDs typically pay a higher interest rate than standard CDs. A jumbo Certificate of Deposit requires a higher openingdeposit starting at $100,000.
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
1APY = Annual Percentage Yield.
2Jumbo CDs earn 0.15% 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 youroriginal CD Agreement foradditional terms & conditions.